Raiz Federal Credit Union
Raiz Federal Credit Union received 327 applications in 2025 and made 205 mortgages, in 11 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 287 decisions, 78 were denials — 27.2%.
| Legal Entity Identifier | 549300SLOQGL2LEMSD33 |
|---|---|
| Applications received | 327 |
| Mortgages made | 205 |
| Denied | 78 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 40 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 72 | Not published | $250,000 | 2.7% |
| Refinancing | 13 | Not published | $165,000 | 27.8% |
| Cash-out refinancing | 67 | Not published | $125,000 | 16.3% |
| Other purposes | 53 | Not published | $15,000 | 50.4% |
Where Raiz Federal Credit Union lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| El Paso County, TX | 189 | Not published | 26.3% |
| Doña Ana County, NM | 10 | Not published | 28.6% |
| Bexar County, TX | 2 | Under 10 loans | 33.3% |
| Lincoln County, NM | 1 | Under 10 loans | 0.0% |
| Otero County, NM | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 50.0% |
| Hudspeth County, TX | 1 | Under 10 loans | 0.0% |
| Clear Creek County, CO | 0 | Under 10 loans | 100.0% |
| Luna County, NM | 0 | Under 10 loans | Not published |
| Culberson County, TX | 0 | Under 10 loans | 100.0% |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
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When Raiz Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.