Firefighters First Federal Credit Union in Texas vs the state
10.9%Denial rate-8.49 pts vs state
13.5%Decision denial rate-11.44 pts vs state
70.3%Origination rate+15.43 pts vs state
7.75%Median rate+1.25 pts vs state
0.71Rate spread (pts)+0.52 pts vs state
$145kMedian applicant income
45Loans originated
7Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 15 | 0.0% | 6.38% | #857 |
| 2024 | 76 | 38 | 21.1% | 6.94% | #604 |
| 2025 | 64 | 45 | 10.9% | 7.75% | #657 |
What Firefighters First Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Firefighters First Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denton County | 7 | 5 | 0 | 0.0% |
| Dallas County | 7 | 6 | 0 | 0.0% |
| Collin County | 7 | 6 | 1 | 14.3% |
| Kaufman County | 4 | 4 | 0 | 0.0% |
| Tarrant County | 4 | 4 | 0 | 0.0% |
| Grayson County | 4 | 3 | 0 | 0.0% |
| Smith County | 3 | 1 | 0 | 0.0% |
| El Paso County | 2 | 0 | 1 | 50.0% |
| Wichita County | 2 | 0 | 1 | 50.0% |
| McLennan County | 2 | 1 | 1 | 50.0% |
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: 64 applications in 2025, of which 45 were originated and 7 denied.
10.9% of all applications, or 13.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Firefighters First Federal Credit Union originated in Texas in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Firefighters First 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