Fort Worth 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 B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st11.0% deniedPricingmedian rate spread over APOR, weight 30%
23rd0.51 ptsProcesswithdrawn + incomplete share, weight 15%
27th16.9%Closing coststotal loan costs ÷ loan amount, weight 10%
96th0.36% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 630 | 476 | 6.8% | 8.2% | 8.00% | $50M |
| 2024 | 640 | 433 | 12.7% | 15.4% | 8.25% | $42M |
| 2025 | 604 | 435 | 9.1% | 11.0% | 7.50% | $49M |
What Fort Worth 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: 322 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why Fort Worth Community Credit Union denies applications
Primary reason reported for each of the 55 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Fort Worth 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 | 71 | 39 | 31.7% |
| $50k – $100k | 181 | 129 | 12.4% |
| $100k – $150k | 162 | 126 | 9.2% |
| $150k – $250k | 147 | 113 | 2.5% |
| Over $250k | 37 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 24 | 10.7% |
| 35–44 | 130 | 93 | 9.4% |
| 45–54 | 146 | 101 | 13.5% |
| 55–64 | 153 | 116 | 12.5% |
| 65–74 | 101 | 74 | 4.9% |
| Over 74 | 40 | 27 | 15.6% |
Where Fort Worth Community Credit Union lends
2 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 600 | 435 | 9.2% | 7.50% | #230 |
Frequently asked questions
Fort Worth Community Credit Union denied 11.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of home-equity (HELOC) lenders.
The most common reason Fort Worth Community Credit Union gave in 2025 was "debt-to-income ratio", cited on 40.0% 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 Community Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.51 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 0% of its applications were for home purchases, 1% for refinancing (including cash-out), and 99% 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.