# FIRST COMMUNITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/first-community-credit-union-tx


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FIRST COMMUNITY CREDIT UNION is a credit union, headquartered in Houston, TX, with 231 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300F52SJSXL6QRM73
- **Headquarters:** Houston, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.184%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,401
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 231
- **Dollar Volume:** $80 million
- **Applications Received:** 369
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $347,165
- **Average Borrower Income:** $166,835
- **Average Property Value:** $464,307

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 230 | -0.184% | $3,392 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 180 loans, Score: 43/100 (Sound)
- Refinance: 50 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 181 | $69M | -0.361% | Sound ☺️ |
| Refinance | 47/100 | 50 | $11M | +0.483% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 231 | 0.07% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 202 | 77/100 |
| Dallas | TX | 14 | 45/100 |

## Where This Lender Ranks

FIRST COMMUNITY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Houston Credit Unions
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Houston for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does FIRST COMMUNITY CREDIT UNION offer?

FIRST COMMUNITY CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST COMMUNITY CREDIT UNION offer mortgages?

FIRST COMMUNITY CREDIT UNION offers mortgages in 1 states: TX.

### How competitive are FIRST COMMUNITY CREDIT UNION's mortgage rates?

FIRST COMMUNITY CREDIT UNION has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.184% below market average.

### What type of lender is FIRST COMMUNITY CREDIT UNION?

FIRST COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Houston, TX.

### What is FIRST COMMUNITY CREDIT UNION's loan approval success rate?

FIRST COMMUNITY CREDIT UNION has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-community-credit-union-tx

### How to Cite

> "FIRST COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-community-credit-union-tx

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