PlainLender

JSC FCU

HOUSTON, TX

JSC FCU processed 1,745 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 905 loans with a 21.9% denial rate. Home Purchase was the primary loan purpose. Based in HOUSTON, TX. The approval rate of 51.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. JSC FCU processed 1,745 HMDA-reported mortgage applications in 2024, originating 905 loans and denying 383 for a denial rate of 21.9% (applicants themselves withdrew 345 files before a decision). The average loan amount was $176,089 at a 6.918% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI 5493004RSPU71QRHYI22 from HOUSTON, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. JSC FCU's 51.9% origination rate tells you how often an application turned into funded money; the 21.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,742 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,745
Applications
905
Originated
21.9%
Denial Rate
$176,089
Avg Loan Amount
Avg Interest Rate: 6.918% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,742 904 381 $175,867
FHA 3 1 2 $305,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for JSC FCU (LEI: 5493004RSPU71QRHYI22) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
172
Other
144
Credit history
125
Collateral
42
Unverifiable information
16
Employment history
10
Insufficient cash
10
Credit application incomplete
7

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 633 455 $302,662
Other 521 184 $89,453
Home Improvement 469 198 $89,051
Refinancing 99 49 $206,212
Cash-out Refinancing 23 19 $300,217

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 1,025 54.8% 20.3%
Black or African American 179 36.9% 39.7%
Asian 109 46.8% 18.4%
American Indian or Alaska Native 32 43.8% 28.1%
Joint 29 62.1% 6.9%
2 or more minority races 12 58.3% 16.7%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 922 52.7% 21.5%
Hispanic or Latino 478 48.7% 26.8%
Joint 56 64.3% 16.1%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare JSC FCU vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did JSC FCU process?
JSC FCU processed 1,745 mortgage applications in the 2023 HMDA reporting year. Of these, 905 were originated (approved and funded), 345 were withdrawn by the applicant, and 383 were denied.
What is JSC FCU's mortgage approval rate?
JSC FCU has an approval (origination) rate of 51.9%, meaning 51.9% of all applications resulted in a funded mortgage. The denial rate is 21.9%.
What is the average loan amount at JSC FCU?
The average mortgage loan amount at JSC FCU is $176,089. The average interest rate is 6.918%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at JSC FCU?
The most common reasons for mortgage denial at JSC FCU are: Debt-to-income ratio, Other, Credit history. In total, 383 applications were denied out of 1,745 total applications.
What types of mortgage loans does JSC FCU offer?
JSC FCU processes Conventional, FHA loans. The most common type is Conventional with 1,742 applications and an average loan amount of $175,867.
What loan purposes does JSC FCU serve?
JSC FCU serves the following loan purposes: Home Purchase (633 applications), Other (521 applications), Home Improvement (469 applications), Refinancing (99 applications), Cash-out Refinancing (23 applications). Home Purchase is the most common purpose.
Where is JSC FCU located?
JSC FCU is headquartered in HOUSTON, TX. The lender is identified by LEI 5493004RSPU71QRHYI22 in HMDA data.
How does JSC FCU compare in lending across racial demographics?
JSC FCU reports demographic lending data under HMDA requirements. White applicants have an approval rate of 54.8% and denial rate of 20.3%; Black or African American applicants have an approval rate of 36.9% and denial rate of 39.7%; Asian applicants have an approval rate of 46.8% and denial rate of 18.4%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.