Access Community Credit Union mortgage approval rate & lending review
Access Community Credit Union decided 470 mortgage applications and funded 388 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Access Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Access Community Credit Union at a glance
Approval is 12.9 points above the 78.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 165 / 167 | 88% | $235K | 145 |
| Cash-out refinance | 79% | 118 / 149 | 91% | $75K | 107 |
| Refinance | 94% | 33 / 35 | 82% | $245K | 27 |
| Investment property purchase | 100% | 63 / 63 | 97% | $115K | 61 |
| Investment cash-out refinance | 93% | 26 / 28 | 96% | $125K | 25 |
Access Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 91% | $125K | 470 | 388 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Access Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Randall County, TX | Mortgage lenders | 100% | 106 | 90 |
| Randall County, TX | Cash-out refinance | 84% | 97 | 74 |
| Potter County, TX | Mortgage lenders | 96% | 57 | 51 |
| Potter County, TX | Investment property purchase | 100% | 35 | 34 |
| Potter County, TX | Cash-out refinance | 67% | 46 | 27 |
| Randall County, TX | Investment property purchase | 100% | 25 | 24 |
| Randall County, TX | Refinance | 100% | 23 | 20 |
The county markets where Access Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Access Community Credit Union
What is Access Community Credit Union's mortgage approval rate?
Access Community Credit Union approved 91.3% of the 470 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.9 points above the 78.4% national rate for the same mix of loan types.
How often do borrowers take the loan Access Community Credit Union offers?
Borrowers accepted 90% of the loans Access Community Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Access Community Credit Union make?
The typical home purchase mortgage loan Access Community Credit Union made was $235K; across all loan types its typical loan ran from $75K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Access Community Credit Union lend?
Access Community Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Access Community Credit Union directly?
Yes. Access Community Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Access Community Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Access Community Credit Union treats applications, then get a rate quote from the lender.