RALLY CREDIT UNION
RALLY CREDIT UNION received 3,679 applications in 2025 and made 1,474 mortgages, in 63 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $155,000. Of 3,177 decisions, 1,315 were denials — 41.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300CPM35KXH0BZ823 |
|---|---|
| Applications received | 3,679 |
| Mortgages made | 1,474 |
| Denied | 1,315 |
| Approved, not taken up | 388 |
| Withdrawn or incomplete | 502 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.27 points |
| 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 | 495 | 6.750% | $265,000 | 28.6% |
| Refinancing | 198 | 5.875% | $215,000 | 40.3% |
| Cash-out refinancing | 607 | 6.750% | $115,000 | 43.2% |
| Other purposes | 174 | 6.875% | $85,000 | 58.0% |
Where RALLY CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Nueces County, TX | 529 | 6.625% | 34.4% |
| Hidalgo County, TX | 467 | 6.750% | 50.1% |
| Cameron County, TX | 199 | 6.625% | 40.7% |
| San Patricio County, TX | 107 | 6.750% | 29.3% |
| Jim Wells County, TX | 31 | 6.875% | 34.4% |
| Aransas County, TX | 23 | 6.250% | 27.0% |
| Bee County, TX | 20 | 6.313% | 34.2% |
| Kleberg County, TX | 14 | 6.625% | 47.8% |
| Bexar County, TX | 13 | 6.750% | 30.0% |
| Starr County, TX | 9 | Under 10 loans | 60.7% |
| Willacy County, TX | 9 | Under 10 loans | 58.3% |
| Duval County, TX | 4 | Under 10 loans | 33.3% |
| Victoria County, TX | 4 | Under 10 loans | 0.0% |
| Live Oak County, TX | 3 | Under 10 loans | 46.2% |
| Refugio County, TX | 3 | Under 10 loans | 37.5% |
| Williamson County, TX | 3 | Under 10 loans | 0.0% |
| Comal County, TX | 2 | Under 10 loans | 25.0% |
| Guadalupe County, TX | 2 | Under 10 loans | 0.0% |
| Harris County, TX | 2 | Under 10 loans | 50.0% |
| Hays County, TX | 2 | Under 10 loans | 0.0% |
| Tarrant County, TX | 2 | Under 10 loans | 33.3% |
| Webb County, TX | 2 | Under 10 loans | 0.0% |
| Angelina County, TX | 1 | Under 10 loans | 0.0% |
| Bell County, TX | 1 | Under 10 loans | 50.0% |
| Brooks County, TX | 1 | Under 10 loans | 25.0% |
| Burnet County, TX | 1 | Under 10 loans | 0.0% |
| Cherokee County, TX | 1 | Under 10 loans | 0.0% |
| DeWitt County, TX | 1 | Under 10 loans | 0.0% |
| Ellis County, TX | 1 | Under 10 loans | 0.0% |
| Goliad County, TX | 1 | Under 10 loans | 0.0% |
| Gonzales County, TX | 1 | Under 10 loans | 50.0% |
| Grimes County, TX | 1 | Under 10 loans | 0.0% |
| Hardin County, TX | 1 | Under 10 loans | 0.0% |
| Hunt County, TX | 1 | Under 10 loans | 0.0% |
| Jefferson County, TX | 1 | Under 10 loans | 0.0% |
| Kerr County, TX | 1 | Under 10 loans | 0.0% |
| McLennan County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 50.0% |
| Nolan County, TX | 1 | Under 10 loans | 0.0% |
| Reeves County, TX | 1 | Under 10 loans | 0.0% |
| Rockwall County, TX | 1 | Under 10 loans | 0.0% |
| San Augustine County, TX | 1 | Under 10 loans | 0.0% |
| Val Verde County, TX | 1 | Under 10 loans | 0.0% |
| Walker County, TX | 1 | Under 10 loans | 0.0% |
| Wilson County, TX | 1 | Under 10 loans | 0.0% |
| Young County, TX | 1 | Under 10 loans | 0.0% |
| Atascosa County, TX | 0 | Under 10 loans | 100.0% |
| Bandera County, TX | 0 | Under 10 loans | 0.0% |
| Bastrop County, TX | 0 | Under 10 loans | 0.0% |
| Brazoria County, TX | 0 | Under 10 loans | 50.0% |
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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.