FIRST COMMUNITY CREDIT UNION
FIRST COMMUNITY CREDIT UNION received 860 applications in 2025 and made 537 mortgages, in 37 counties across 3 states. The median rate its borrowers got was 6.240% on a median loan of $245,000. Of 683 decisions, 143 were denials — 20.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300F52SJSXL6QRM73 |
|---|---|
| Applications received | 860 |
| Mortgages made | 537 |
| Denied | 143 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 177 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.144 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 290 | 6.000% | $345,000 | 4.3% |
| Refinancing | 31 | 5.875% | $295,000 | 34.0% |
| Cash-out refinancing | 25 | 6.375% | $215,000 | 58.3% |
| Other purposes | 191 | 7.490% | $75,000 | 28.9% |
Where FIRST COMMUNITY CREDIT UNION lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 300 | 6.250% | 22.7% |
| Fort Bend County, TX | 99 | 6.250% | 26.1% |
| Montgomery County, TX | 64 | 6.313% | 9.9% |
| Collin County, TX | 11 | 6.125% | 8.3% |
| Denton County, TX | 10 | 6.000% | 16.7% |
| Brazoria County, TX | 9 | Under 10 loans | 10.0% |
| Waller County, TX | 5 | Under 10 loans | 16.7% |
| Liberty County, TX | 4 | Under 10 loans | 0.0% |
| Travis County, TX | 4 | Under 10 loans | 20.0% |
| Dallas County, TX | 3 | Under 10 loans | 0.0% |
| Austin County, TX | 2 | Under 10 loans | 0.0% |
| Colorado County, TX | 2 | Under 10 loans | 0.0% |
| Comal County, TX | 2 | Under 10 loans | 0.0% |
| Galveston County, TX | 2 | Under 10 loans | 0.0% |
| Grimes County, TX | 2 | Under 10 loans | 0.0% |
| Rockwall County, TX | 2 | Under 10 loans | 0.0% |
| Tarrant County, TX | 2 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 0.0% |
| Brazos County, TX | 1 | Under 10 loans | 0.0% |
| Erath County, TX | 1 | Under 10 loans | 0.0% |
| Jefferson County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 50.0% |
| Leon County, TX | 1 | Under 10 loans | 0.0% |
| Matagorda County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Polk County, TX | 1 | Under 10 loans | 0.0% |
| San Jacinto County, TX | 1 | Under 10 loans | 50.0% |
| Walker County, TX | 1 | Under 10 loans | 50.0% |
| Washington County, TX | 1 | Under 10 loans | 0.0% |
| Wharton County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 0 | Under 10 loans | 100.0% |
| Cook County, IL | 0 | Under 10 loans | Not published |
| Burnet County, TX | 0 | Under 10 loans | Not published |
| Hardin County, TX | 0 | Under 10 loans | 100.0% |
| Hood County, TX | 0 | Under 10 loans | 100.0% |
| Kendall County, TX | 0 | Under 10 loans | Not published |
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When FIRST COMMUNITY CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.