ABILENE TEACHERS Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
9th28.4% deniedPricingmedian rate spread over APOR, weight 30%
7th1.28 ptsProcesswithdrawn + incomplete share, weight 15%
75th6.0%Closing coststotal loan costs ÷ loan amount, weight 10%
63rd1.55% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 305 | 139 | 18.7% | 26.9% | 8.00% | $11M |
| 2024 | 262 | 168 | 23.7% | 26.2% | 7.35% | $17M |
| 2025 | 217 | 135 | 26.7% | 28.4% | 7.10% | $11M |
What ABILENE TEACHERS Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 0 investment properties.
Why ABILENE TEACHERS Federal Credit Union denies applications
Primary reason reported for each of the 58 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at ABILENE TEACHERS Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 38 | 21 | 28.6% |
| $50k – $100k | 82 | 50 | 29.9% |
| $100k – $150k | 48 | 32 | 28.9% |
| $150k – $250k | 39 | 28 | 21.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 18 | 24.0% |
| 35–44 | 50 | 29 | 39.6% |
| 45–54 | 47 | 34 | 21.7% |
| 55–64 | 44 | 29 | 26.8% |
| 65–74 | 30 | 16 | 27.6% |
Where ABILENE TEACHERS Federal Credit Union lends
1 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 217 | 135 | 26.7% | 7.10% | #403 |
Frequently asked questions
ABILENE TEACHERS Federal Credit Union denied 28.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 9th percentile of small mortgage lenders.
The most common reason ABILENE TEACHERS Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 43.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans ABILENE TEACHERS Federal Credit Union originated in 2025 was 7.10%, and its median rate spread over the average prime offer rate was 1.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 0% of its applications were for home purchases, 50% for refinancing (including cash-out), and 50% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.