First Community Credit Union in Texas vs the state
16.6%Denial rate-2.88 pts vs state
20.8%Decision denial rate-4.08 pts vs state
62.6%Origination rate+7.71 pts vs state
6.24%Median rate-0.26 pts vs state
-0.14Rate spread (pts)-0.34 pts vs state
$134kMedian applicant income
537Loans originated
142Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 776 | 439 | 19.5% | 5.88% | #190 |
| 2024 | 625 | 371 | 19.4% | 6.50% | #223 |
| 2025 | 858 | 537 | 16.6% | 6.24% | #182 |
What First Community Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 498 | 300 | 89 | 17.9% |
| Fort Bend County | 163 | 99 | 35 | 21.5% |
| Montgomery County | 87 | 64 | 7 | 8.0% |
| Collin County | 15 | 11 | 1 | 6.7% |
| Denton County | 14 | 10 | 2 | 14.3% |
| Brazoria County | 13 | 9 | 1 | 7.7% |
| Travis County | 10 | 4 | 1 | 10.0% |
| Waller County | 8 | 5 | 1 | 12.5% |
| Dallas County | 5 | 3 | 0 | 0.0% |
| Liberty County | 4 | 4 | 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: 858 applications in 2025, of which 537 were originated and 142 denied.
16.6% of all applications, or 20.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Community Credit Union originated in Texas in 2025 was 6.24%, against a statewide median of 6.50%.
About this data. Figures are First Community 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