First Community Credit Union (Texas) mortgage approval rate & lending review
First Community Credit Union (Texas) decided 1,485 mortgage applications and funded 1,136 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Community Credit Union (Texas) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Community Credit Union (Texas) at a glance
Approval is 1.7 points below 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 | 96% | 727 / 755 | 100% | $325K | 727 |
| Home improvement loans | 64% | 46 / 72 | 98% | $65K | 45 |
| Cash-out refinance | 55% | 310 / 561 | 100% | $85K | 309 |
| Refinance | 63% | 49 / 78 | 100% | $265K | 49 |
First Community Credit Union (Texas) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 77% | $325K | 1,484 | 1,136 |
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 Community Credit Union (Texas) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Cash-out refinance | 53% | 344 | 183 |
| Fort Bend County, TX | Cash-out refinance | 58% | 134 | 77 |
| Montgomery County, TX | Cash-out refinance | 62% | 55 | 34 |
| Harris County, TX | Refinance | 69% | 45 | 31 |
| Harris County, TX | Home improvement loans | 63% | 41 | 25 |
The county markets where First Community Credit Union (Texas) made the most loans. Each link opens that market with every lender ranked.
Questions about First Community Credit Union (Texas)
What is First Community Credit Union (Texas)'s mortgage approval rate?
First Community Credit Union (Texas) approved 76.6% of the 1,485 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.7 points below the 78.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Community Credit Union (Texas) offers?
Borrowers accepted 100% of the loans First Community Credit Union (Texas) 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 First Community Credit Union (Texas) make?
The typical home purchase mortgage loan First Community Credit Union (Texas) made was $325K; across all loan types its typical loan ran from $65K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Community Credit Union (Texas) lend?
First Community Credit Union (Texas) decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and Florida.
Can I apply to First Community Credit Union (Texas) directly?
Yes. First Community Credit Union (Texas) is a bank or credit union with 111 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Community Credit Union (Texas)'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 Community Credit Union (Texas) treats applications, then get a rate quote from the lender.