Access Community Credit Union
Access Community Credit Union received 220 applications in 2025 and made 190 mortgages, in 27 counties across 4 states. The median rate its borrowers got was 6.813% on a median loan of $155,000. Of 216 decisions, 14 were denials — 6.5%, most often for debt-to-income ratio. 116 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300ZLEJNF277L8Q40 |
|---|---|
| Applications received | 220 |
| Mortgages made | 190 |
| Denied | 14 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.666 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 | 98 | 6.875% | $185,000 | 0.0% |
| Refinancing | 16 | 6.250% | $255,000 | 10.5% |
| Cash-out refinancing | 63 | 6.750% | $105,000 | 13.3% |
| Other purposes | 13 | 7.375% | $75,000 | 13.3% |
Where Access Community Credit Union lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Randall County, TX | 92 | 6.750% | 6.8% |
| Potter County, TX | 65 | 6.990% | 8.3% |
| Armstrong County, TX | 3 | Under 10 loans | 0.0% |
| Lubbock County, TX | 3 | Under 10 loans | 0.0% |
| Moore County, TX | 3 | Under 10 loans | 0.0% |
| Carson County, TX | 2 | Under 10 loans | 0.0% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Gray County, TX | 2 | Under 10 loans | 0.0% |
| Hale County, TX | 2 | Under 10 loans | 0.0% |
| Lamb County, TX | 2 | Under 10 loans | 0.0% |
| Butler County, KS | 1 | Under 10 loans | 0.0% |
| Chaves County, NM | 1 | Under 10 loans | 0.0% |
| Curry County, NM | 1 | Under 10 loans | 0.0% |
| Roosevelt County, NM | 1 | Under 10 loans | 0.0% |
| Dallam County, TX | 1 | Under 10 loans | 0.0% |
| Deaf Smith County, TX | 1 | Under 10 loans | 0.0% |
| Ellis County, TX | 1 | Under 10 loans | 0.0% |
| Hartley County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 50.0% |
| Hutchinson County, TX | 1 | Under 10 loans | 0.0% |
| Lynn County, TX | 1 | Under 10 loans | 0.0% |
| Sherman County, TX | 1 | Under 10 loans | 0.0% |
| Smith County, TX | 1 | Under 10 loans | 0.0% |
| Swisher County, TX | 1 | Under 10 loans | 0.0% |
| Union County, NM | 0 | Under 10 loans | Not published |
| Palo Pinto County, TX | 0 | Under 10 loans | 0.0% |
| Tarrant County, TX | 0 | Under 10 loans | Not published |
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When Access 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.