First Central Credit Union
First Central Credit Union received 146 applications in 2025 and made 79 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 8.500% on a median loan of $75,000. Of 125 decisions, 20 were denials — 16.0%, most often for credit history.
| Legal Entity Identifier | 254900GHFQ9KF6G4PN32 |
|---|---|
| Applications received | 146 |
| Mortgages made | 79 |
| Denied | 20 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.046 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 | 9 | Under 10 loans | Under 10 loans | 26.5% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 18 | 9.725% | $75,000 | 9.5% |
| Other purposes | 50 | 7.550% | $60,000 | 13.4% |
Where First Central Credit Union lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McLennan County, TX | 58 | 8.775% | 14.6% |
| Brown County, TX | 12 | 7.425% | 19.1% |
| Hill County, TX | 3 | Under 10 loans | 33.3% |
| Hamilton County, TX | 2 | Under 10 loans | 0.0% |
| Coleman County, TX | 1 | Under 10 loans | 0.0% |
| Coryell County, TX | 1 | Under 10 loans | 0.0% |
| Lampasas County, TX | 1 | Under 10 loans | 0.0% |
| Limestone County, TX | 1 | Under 10 loans | 0.0% |
| Bell County, TX | 0 | Under 10 loans | 0.0% |
| Dallas County, TX | 0 | Under 10 loans | 0.0% |
| Navarro County, TX | 0 | Under 10 loans | 100.0% |
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When First Central 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.