JSC Federal 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 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
6th34.6% deniedPricingmedian rate spread over APOR, weight 30%
84th-0.06 ptsProcesswithdrawn + incomplete share, weight 15%
12th28.8%Closing coststotal loan costs ÷ loan amount, weight 10%
90th1.06% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,403 | 708 | 21.6% | 26.2% | 6.75% | $137M |
| 2024 | 1,734 | 922 | 21.5% | 26.9% | 6.88% | $211M |
| 2025 | 1,831 | 755 | 24.6% | 34.6% | 6.25% | $117M |
What JSC Federal 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: 705 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 64 investment properties.
Why JSC Federal Credit Union denies applications
Primary reason reported for each of the 451 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at JSC Federal 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 | 156 | 15 | 82.2% |
| $50k – $100k | 503 | 168 | 42.8% |
| $100k – $150k | 441 | 191 | 30.6% |
| $150k – $250k | 452 | 229 | 20.8% |
| Over $250k | 246 | 140 | 16.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 14 | 12.5% |
| 25–34 | 222 | 104 | 34.1% |
| 35–44 | 464 | 203 | 37.1% |
| 45–54 | 479 | 214 | 30.1% |
| 55–64 | 364 | 142 | 36.7% |
| 65–74 | 179 | 57 | 36.8% |
| Over 74 | 63 | 21 | 41.3% |
Where JSC Federal Credit Union lends
2 states and 52 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 1,830 | 755 | 24.6% | 6.25% | #110 |
Frequently asked questions
JSC Federal Credit Union denied 34.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 6th percentile of mid-size mortgage lenders.
The most common reason JSC Federal Credit Union gave in 2025 was "other", cited on 46.1% 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 JSC Federal Credit Union originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 19% of its applications were for home purchases, 16% for refinancing (including cash-out), and 65% for home improvement or other purposes. By loan type: 97% conventional, 2% 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.