FirstLight Federal Credit Union
FirstLight Federal Credit Union received 1,171 applications in 2025 and made 261 mortgages, in 30 counties across 2 states. The median rate its borrowers got was 6.625% on a median loan of $125,000. Of 756 decisions, 398 were denials — 52.7%, most often for debt-to-income ratio. 257 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300SGEJUQK4Q7ZY34 |
|---|---|
| Applications received | 1,171 |
| Mortgages made | 261 |
| Denied | 398 |
| Approved, not taken up | 97 |
| Withdrawn or incomplete | 415 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.4375 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 | 84 | 6.125% | $230,000 | 53.8% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 54.6% |
| Cash-out refinancing | 170 | 6.875% | $85,000 | 51.6% |
Where FirstLight Federal Credit Union lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| El Paso County, TX | 175 | 6.625% | 49.4% |
| Doña Ana County, NM | 76 | 6.875% | 37.1% |
| Otero County, NM | 3 | Under 10 loans | 50.0% |
| Tarrant County, TX | 2 | Under 10 loans | 50.0% |
| Bernalillo County, NM | 1 | Under 10 loans | 0.0% |
| Lea County, NM | 1 | Under 10 loans | 0.0% |
| Lincoln County, NM | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 50.0% |
| Hudspeth County, TX | 1 | Under 10 loans | 0.0% |
| Catron County, NM | 0 | Under 10 loans | 100.0% |
| Curry County, NM | 0 | Under 10 loans | Not published |
| Grant County, NM | 0 | Under 10 loans | 100.0% |
| Luna County, NM | 0 | Under 10 loans | Not published |
| Sandoval County, NM | 0 | Under 10 loans | 0.0% |
| San Miguel County, NM | 0 | Under 10 loans | 100.0% |
| Brazoria County, TX | 0 | Under 10 loans | Not published |
| Collin County, TX | 0 | Under 10 loans | 100.0% |
| Comal County, TX | 0 | Under 10 loans | 0.0% |
| Dallas County, TX | 0 | Under 10 loans | Not published |
| Fort Bend County, TX | 0 | Under 10 loans | Not published |
| Harris County, TX | 0 | Under 10 loans | Not published |
| Hays County, TX | 0 | Under 10 loans | Not published |
| Howard County, TX | 0 | Under 10 loans | 100.0% |
| Liberty County, TX | 0 | Under 10 loans | 100.0% |
| Lubbock County, TX | 0 | Under 10 loans | 0.0% |
| McLennan County, TX | 0 | Under 10 loans | Not published |
| Medina County, TX | 0 | Under 10 loans | Not published |
| Midland County, TX | 0 | Under 10 loans | 100.0% |
| Potter County, TX | 0 | Under 10 loans | Not published |
| Reeves County, TX | 0 | Under 10 loans | Not published |
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When FirstLight 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.