First Central Credit Union in Texas vs the state
13.7%Denial rate-5.73 pts vs state
16.0%Decision denial rate-8.90 pts vs state
54.1%Origination rate-0.77 pts vs state
8.50%Median rate+2.00 pts vs state
2.05Rate spread (pts)+1.85 pts vs state
$68kMedian applicant income
79Loans originated
20Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 150 | 67 | 23.3% | 9.50% | #478 |
| 2024 | 153 | 79 | 19.0% | 9.85% | #459 |
| 2025 | 146 | 79 | 13.7% | 8.50% | #478 |
What First Central Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLennan County | 106 | 58 | 13 | 12.3% |
| Brown County | 24 | 12 | 4 | 16.7% |
| Hill County | 7 | 3 | 2 | 28.6% |
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Coryell County | 1 | 1 | 0 | 0.0% |
| Coleman County | 1 | 1 | 0 | 0.0% |
| Limestone County | 1 | 1 | 0 | 0.0% |
| Lampasas County | 1 | 1 | 0 | 0.0% |
| Navarro County | 1 | 0 | 1 | 100.0% |
| Dallas 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: 146 applications in 2025, of which 79 were originated and 20 denied.
13.7% of all applications, or 16.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Central Credit Union originated in Texas in 2025 was 8.50%, against a statewide median of 6.50%.
About this data. Figures are First Central 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