First 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 C 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%
18th20.9% deniedPricingmedian rate spread over APOR, weight 30%
89th-0.14 ptsProcesswithdrawn + incomplete share, weight 15%
18th20.6%Closing coststotal loan costs ÷ loan amount, weight 10%
22nd2.82% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 776 | 439 | 19.5% | 25.6% | 5.88% | $121M |
| 2024 | 625 | 371 | 19.4% | 24.6% | 6.50% | $92M |
| 2025 | 860 | 537 | 16.6% | 20.9% | 6.24% | $150M |
What First 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, 11 investment properties.
Why First Community Credit Union denies applications
Primary reason reported for each of the 143 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First Community 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 | 39 | 9 | 72.7% |
| $50k – $100k | 224 | 102 | 38.2% |
| $100k – $150k | 213 | 150 | 15.7% |
| $150k – $250k | 254 | 184 | 8.0% |
| Over $250k | 126 | 91 | 9.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 157 | 110 | 9.8% |
| 35–44 | 262 | 179 | 17.4% |
| 45–54 | 229 | 139 | 24.0% |
| 55–64 | 114 | 61 | 30.7% |
| 65–74 | 69 | 30 | 31.9% |
Where First Community Credit Union lends
3 states and 37 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 858 | 537 | 16.6% | 6.24% | #182 |
Frequently asked questions
First Community Credit Union denied 20.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 18th percentile of small mortgage lenders.
The most common reason First Community Credit Union gave in 2025 was "debt-to-income ratio", cited on 40.6% 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 First Community Credit Union originated in 2025 was 6.24%, and its median rate spread over the average prime offer rate was -0.14 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 42% of its applications were for home purchases, 18% for refinancing (including cash-out), and 39% 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.