Lender in Texas · HMDA 2025
First Community Credit Union mortgages in Texas
First Community Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
First Community Credit Union originated 344 owner-occupied single-family loans in Texas from 402 completed applications.
Its median conventional purchase loan costs were $7,290 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.00% (Texas: 6.50%).
Loans in TX
344
of 402 applications
Denial rate
4.3%
Purchase · TX 10.2%
Rate spread
−0.40 pts
Conv. · TX +0.09 pts
Loan amount
$345,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 302 | 289 | 4.3% | 6.000% | −0.40 pts | $7,290 | $345,000 |
| Refinance | 46 | 31 | 32.6% | — | −0.50 pts | $5,290 | $295,000 |
| Cash-out refinance | 54 | 24 | 55.6% | — | +0.01 pts | $5,730 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology