Fort Worth City 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 D 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%
4th38.4% deniedPricingmedian rate spread over APOR, weight 30%
31st0.46 ptsProcesswithdrawn + incomplete share, weight 15%
28th17.0%Closing coststotal loan costs ÷ loan amount, weight 10%
91st0.67% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 243 | 94 | 43.2% | 50.0% | 6.64% | $9.4M |
| 2024 | 233 | 100 | 36.1% | 42.0% | 6.73% | $15M |
| 2025 | 229 | 111 | 31.9% | 38.4% | 6.45% | $17M |
What Fort Worth City 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, 8 investment properties.
Why Fort Worth City Credit Union denies applications
Primary reason reported for each of the 73 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Fort Worth City 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 | 23 | 3 | 85.0% |
| $50k – $100k | 76 | 29 | 51.6% |
| $100k – $150k | 66 | 39 | 25.0% |
| $150k – $250k | 39 | 29 | 9.1% |
| Over $250k | 22 | 11 | 29.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 15 | 20.0% |
| 35–44 | 45 | 22 | 39.5% |
| 45–54 | 58 | 28 | 38.0% |
| 55–64 | 65 | 29 | 46.3% |
| 65–74 | 23 | 13 | 31.6% |
Where Fort Worth City Credit Union lends
2 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 220 | 111 | 30.0% | 6.45% | #400 |
Frequently asked questions
Fort Worth City Credit Union denied 38.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
The most common reason Fort Worth City Credit Union gave in 2025 was "debt-to-income ratio", cited on 41.1% 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 Fort Worth City Credit Union originated in 2025 was 6.45%, and its median rate spread over the average prime offer rate was 0.46 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 21% of its applications were for home purchases, 48% for refinancing (including cash-out), and 31% 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.