ACFCU Federal Credit Union
ACFCU Federal Credit Union received 123 applications in 2025 and made 91 mortgages, in 12 counties across 1 state. The median rate its borrowers got was 7.200% on a median loan of $55,000. Of 113 decisions, 22 were denials — 19.5%, most often for credit history.
| Legal Entity Identifier | 549300P6CCUZE02WB068 |
|---|---|
| Applications received | 123 |
| Mortgages made | 91 |
| Denied | 22 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.499 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 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Cash-out refinancing | 46 | 6.990% | $50,000 | 9.8% |
| Other purposes | 36 | 7.490% | $65,000 | 23.4% |
Where ACFCU Federal Credit Union lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Potter County, TX | 39 | 7.330% | 15.2% |
| Randall County, TX | 33 | 7.200% | 28.3% |
| Gray County, TX | 8 | Under 10 loans | 11.1% |
| Swisher County, TX | 3 | Under 10 loans | 0.0% |
| Hutchinson County, TX | 2 | Under 10 loans | 33.3% |
| Armstrong County, TX | 1 | Under 10 loans | 0.0% |
| Bell County, TX | 1 | Under 10 loans | 0.0% |
| Carson County, TX | 1 | Under 10 loans | 0.0% |
| Castro County, TX | 1 | Under 10 loans | 0.0% |
| Hale County, TX | 1 | Under 10 loans | 0.0% |
| Wheeler County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 0 | Under 10 loans | Not published |
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When ACFCU Federal 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.