1ST COMMUNITY FEDERAL CREDIT UNION
1ST COMMUNITY FEDERAL CREDIT UNION received 117 applications in 2025 and made 76 mortgages, in 16 counties across 1 state. The median rate its borrowers got was 7.225% on a median loan of $80,000. Of 111 decisions, 34 were denials — 30.6%, most often for credit history.
| Legal Entity Identifier | 549300BOONATEIE9GC38 |
|---|---|
| Applications received | 117 |
| Mortgages made | 76 |
| Denied | 34 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.24 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 | 13 | 7.000% | $135,000 | 0.0% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 56 | 7.300% | $75,000 | 36.0% |
Where 1ST COMMUNITY FEDERAL CREDIT UNION lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tom Green County, TX | 55 | 7.340% | 21.4% |
| Pecos County, TX | 7 | Under 10 loans | 46.7% |
| Schleicher County, TX | 4 | Under 10 loans | 0.0% |
| Coke County, TX | 2 | Under 10 loans | 0.0% |
| Midland County, TX | 2 | Under 10 loans | 50.0% |
| Runnels County, TX | 2 | Under 10 loans | 66.7% |
| Crane County, TX | 1 | Under 10 loans | 50.0% |
| Dawson County, TX | 1 | Under 10 loans | 0.0% |
| Lavaca County, TX | 1 | Under 10 loans | 0.0% |
| Martin County, TX | 1 | Under 10 loans | 0.0% |
| Concho County, TX | 0 | Under 10 loans | 100.0% |
| Irion County, TX | 0 | Under 10 loans | 100.0% |
| Kerr County, TX | 0 | Under 10 loans | 100.0% |
| Menard County, TX | 0 | Under 10 loans | Not published |
| Reagan County, TX | 0 | Under 10 loans | 100.0% |
| Upton County, TX | 0 | Under 10 loans | 100.0% |
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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.