1st Community Federal Credit Union in Texas vs the state
29.1%Denial rate+9.63 pts vs state
30.6%Decision denial rate+5.73 pts vs state
65.0%Origination rate+10.08 pts vs state
7.23%Median rate+0.72 pts vs state
1.24Rate spread (pts)+1.05 pts vs state
$89kMedian applicant income
76Loans originated
34Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 98 | 54 | 26.5% | — | #563 |
| 2024 | 101 | 69 | 22.8% | 8.56% | #556 |
| 2025 | 117 | 76 | 29.1% | 7.23% | #524 |
What 1st Community Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most 1st Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tom Green County | 75 | 55 | 15 | 20.0% |
| Pecos County | 15 | 7 | 7 | 46.7% |
| Runnels County | 6 | 2 | 4 | 66.7% |
| Midland County | 4 | 2 | 2 | 50.0% |
| Schleicher County | 4 | 4 | 0 | 0.0% |
| Coke County | 2 | 2 | 0 | 0.0% |
| Crane County | 2 | 1 | 1 | 50.0% |
| Martin County | 1 | 1 | 0 | 0.0% |
| Kerr County | 1 | 0 | 1 | 100.0% |
| Menard County | 1 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 117 applications in 2025, of which 76 were originated and 34 denied.
29.1% of all applications, or 30.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans 1st Community Federal Credit Union originated in Texas in 2025 was 7.23%, against a statewide median of 6.50%.
About this data. Figures are 1st Community Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology