Rally Credit Union mortgage approval rate & lending review
Rally Credit Union decided 5,632 mortgage applications and funded 2,878 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Rally Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Rally Credit Union at a glance
Approval is 11.6 points below the 74.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 1,242 / 1,466 | 85% | $235K | 1,056 |
| Home improvement loans | 58% | 204 / 351 | 79% | $85K | 162 |
| Cash-out refinance | 55% | 1,629 / 2,983 | 78% | $115K | 1,265 |
| Refinance | 51% | 279 / 550 | 86% | $145K | 241 |
| Investment property purchase | 84% | 78 / 93 | 91% | $125K | 71 |
| Investment cash-out refinance | 50% | 68 / 135 | 91% | $95K | 62 |
| Investment refinance | 51% | 20 / 39 | 90% | $75K | 18 |
Rally Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 63% | $115K | 5,632 | 2,878 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Rally Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Nueces County, TX | Cash-out refinance | 61% | 1,253 | 595 |
| Nueces County, TX | Mortgage lenders | 93% | 592 | 478 |
| Hidalgo County, TX | Cash-out refinance | 48% | 1,240 | 446 |
| Hidalgo County, TX | Mortgage lenders | 76% | 595 | 373 |
| Cameron County, TX | Cash-out refinance | 55% | 433 | 199 |
| Cameron County, TX | Mortgage lenders | 83% | 208 | 151 |
| Nueces County, TX | Refinance | 54% | 256 | 122 |
| Hidalgo County, TX | Refinance | 46% | 222 | 85 |
| Nueces County, TX | Home improvement loans | 66% | 126 | 72 |
| Hidalgo County, TX | Home improvement loans | 51% | 179 | 69 |
| Nueces County, TX | Investment property purchase | 91% | 57 | 49 |
| Nueces County, TX | Investment cash-out refinance | 52% | 77 | 37 |
The county markets where Rally Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Rally Credit Union
What is Rally Credit Union's mortgage approval rate?
Rally Credit Union approved 62.6% of the 5,632 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points below the 74.2% national rate for the same mix of loan types.
How often do borrowers take the loan Rally Credit Union offers?
Borrowers accepted 82% of the loans Rally Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Rally Credit Union make?
The typical cash-out refinance loan Rally Credit Union made was $115K; across all loan types its typical loan ran from $75K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Rally Credit Union lend?
Rally Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Rally Credit Union directly?
Yes. Rally Credit Union is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Rally Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Rally Credit Union treats applications, then get a rate quote from the lender.