JSC Federal Credit Union
JSC Federal Credit Union received 1,831 applications in 2025 and made 755 mortgages, in 52 counties across 2 states. The median rate its borrowers got was 6.250% on a median loan of $105,000. Of 1,303 decisions, 451 were denials — 34.6%, most often for other. 87 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493004RSPU71QRHYI22 |
|---|---|
| Applications received | 1,831 |
| Mortgages made | 755 |
| Denied | 451 |
| Approved, not taken up | 97 |
| Withdrawn or incomplete | 528 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.063 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 | 182 | 6.250% | $245,000 | 21.1% |
| Refinancing | 106 | 6.500% | $115,000 | 18.6% |
| Cash-out refinancing | 28 | 6.625% | $215,000 | 15.2% |
| Other purposes | 439 | 5.990% | $75,000 | 41.6% |
Where JSC Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 330 | 6.250% | 34.5% |
| Galveston County, TX | 222 | 6.250% | 27.6% |
| Brazoria County, TX | 91 | 5.990% | 29.8% |
| Fort Bend County, TX | 48 | 5.990% | 47.5% |
| Montgomery County, TX | 19 | 6.000% | 30.3% |
| Chambers County, TX | 7 | Under 10 loans | 41.7% |
| Tarrant County, TX | 5 | Under 10 loans | 28.6% |
| Waller County, TX | 5 | Under 10 loans | 50.0% |
| Liberty County, TX | 4 | Under 10 loans | 63.6% |
| Collin County, TX | 2 | Under 10 loans | 28.6% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Washington County, TX | 2 | Under 10 loans | 0.0% |
| Angelina County, TX | 1 | Under 10 loans | 33.3% |
| Austin County, TX | 1 | Under 10 loans | 0.0% |
| Bandera County, TX | 1 | Under 10 loans | 0.0% |
| Bastrop County, TX | 1 | Under 10 loans | 0.0% |
| Cameron County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 1 | Under 10 loans | 50.0% |
| Dallas County, TX | 1 | Under 10 loans | 66.7% |
| El Paso County, TX | 1 | Under 10 loans | 50.0% |
| Grayson County, TX | 1 | Under 10 loans | 33.3% |
| Jones County, TX | 1 | Under 10 loans | 0.0% |
| Kerr County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Rockwall County, TX | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 50.0% |
| Uvalde County, TX | 1 | Under 10 loans | 0.0% |
| Walker County, TX | 1 | Under 10 loans | 0.0% |
| Webb County, TX | 1 | Under 10 loans | 0.0% |
| Onondaga County, NY | 0 | Under 10 loans | 100.0% |
| Aransas County, TX | 0 | Under 10 loans | Not published |
| Bell County, TX | 0 | Under 10 loans | 100.0% |
| Bexar County, TX | 0 | Under 10 loans | 100.0% |
| Colorado County, TX | 0 | Under 10 loans | 100.0% |
| Duval County, TX | 0 | Under 10 loans | Not published |
| Grimes County, TX | 0 | Under 10 loans | 100.0% |
| Hardin County, TX | 0 | Under 10 loans | 100.0% |
| Hays County, TX | 0 | Under 10 loans | 100.0% |
| Hidalgo County, TX | 0 | Under 10 loans | 0.0% |
| Jefferson County, TX | 0 | Under 10 loans | 100.0% |
| Johnson County, TX | 0 | Under 10 loans | Not published |
| Kendall County, TX | 0 | Under 10 loans | Not published |
| McCulloch County, TX | 0 | Under 10 loans | Not published |
| Midland County, TX | 0 | Under 10 loans | Not published |
| Polk County, TX | 0 | Under 10 loans | 100.0% |
| San Jacinto County, TX | 0 | Under 10 loans | Not published |
| Starr County, TX | 0 | Under 10 loans | Not published |
| Wharton County, TX | 0 | Under 10 loans | 100.0% |
| Wichita 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.