Lender in Texas · HMDA 2025
JSC Federal Credit Union mortgages in Texas
JSC Federal Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
JSC Federal Credit Union originated 204 owner-occupied single-family loans in Texas from 233 completed applications.
Its median conventional purchase loan costs were $6,360 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.375% (Texas: 6.50%).
Loans in TX
204
of 233 applications
Denial rate
6.3%
Purchase · TX 10.2%
Rate spread
+0.06 pts
Conv. · TX +0.09 pts
Loan amount
$275,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 158 | 144 | 6.3% | 6.375% | +0.06 pts | $6,360 | $275,000 |
| Refinance | 50 | 39 | 20.0% | — | +0.36 pts | $1,710 | $205,000 |
| Cash-out refinance | 25 | 21 | 16.0% | — | +0.18 pts | $5,860 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology