First Central Credit Union mortgage approval rate & lending review
First Central Credit Union decided 269 mortgage applications and funded 152 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Central Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Central Credit Union at a glance
Approval is 2.7 points above the 73.5% 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 | 68% | 71 / 104 | 41% | $115K | 29 |
| Home improvement loans | 82% | 99 / 121 | 94% | $55K | 93 |
| Cash-out refinance | 77% | 27 / 35 | 93% | $75K | 25 |
First Central Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 76% | $55K | 269 | 152 |
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 First Central Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLennan County, TX | Home improvement loans | 82% | 120 | 92 |
| McLennan County, TX | Mortgage lenders | 67% | 99 | 28 |
| McLennan County, TX | Cash-out refinance | 76% | 34 | 25 |
The county markets where First Central Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about First Central Credit Union
What is First Central Credit Union's mortgage approval rate?
First Central Credit Union approved 76.2% of the 269 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.7 points above the 73.5% national rate for the same mix of loan types.
How often do borrowers take the loan First Central Credit Union offers?
Borrowers accepted 74% of the loans First Central Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Central Credit Union make?
The typical home improvement loan loan First Central Credit Union made was $55K; across all loan types its typical loan ran from $55K to $115K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Central Credit Union lend?
First Central Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to First Central Credit Union directly?
Yes. First Central Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Central 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 First Central Credit Union treats applications, then get a rate quote from the lender.