Access Community 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 B 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%
65th6.5% deniedPricingmedian rate spread over APOR, weight 30%
21st0.67 ptsProcesswithdrawn + incomplete share, weight 15%
90th1.8%Closing coststotal loan costs ÷ loan amount, weight 10%
29th2.49% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 203 | 156 | 7.9% | 8.2% | 7.00% | $27M |
| 2024 | 193 | 140 | 8.3% | 9.1% | 7.50% | $22M |
| 2025 | 220 | 190 | 6.4% | 6.5% | 6.81% | $37M |
What Access Community 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, 0 manufactured homes, 60 investment properties.
Why Access Community Credit Union denies applications
Primary reason reported for each of the 14 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Access Community Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 57 | 45 | 8.9% |
| $100k – $150k | 39 | 33 | 2.6% |
| $150k – $250k | 55 | 51 | 1.9% |
| Over $250k | 50 | 49 | 2.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 36 | 28 | 8.8% |
| 35–44 | 46 | 39 | 6.7% |
| 45–54 | 36 | 29 | 8.6% |
| 55–64 | 22 | 19 | 9.1% |
Where Access Community Credit Union lends
4 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 214 | 186 | 6.5% | 6.81% | #406 |
Frequently asked questions
Access Community Credit Union denied 6.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 65th percentile of small mortgage lenders.
The most common reason Access Community Credit Union gave in 2025 was "credit history", cited on 42.9% 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 Access Community Credit Union originated in 2025 was 6.81%, and its median rate spread over the average prime offer rate was 0.67 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 49% of its applications were for home purchases, 44% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 99% conventional, 1% 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.