Applications / Mortgage Analytics / Lenders / Missouri / First Community Credit Union
Chesterfield, MO · Credit union · NCUA · $4.8 billion assets · 2,573 loans in 2025
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2,573
loans originated, 2025
6,559
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Credit Union ranks 10 of 637 lenders in St. Louis and makes mostly home-improvement and other-purpose loans, and in 2025 it grew more slowly than most similar credit unions.
Home-improvement loans made up 45.7% of its originations and other purposes 24.3%, against 23.0% for home purchase and 7.0% for refinancing. That mix fits a typical loan of $95,000, smaller than about six in seven similar lenders (credit unions making between half and twice as many loans). Its typical rate, 5.95%, was lower than more than nine in ten of them, whose typical rate was 7.00%.
Originations rose 3% to 2,573, slower than about three in four similar lenders, whose typical growth was 10%, the same as the whole market. Volume remains well below 4,157 in 2020. One possibility is that lending tied to existing owners' improvements moves less with home buying than purchase lending does.
Low- and moderate-income (LMI) borrowers took 21.0% of its loans against 27.8% for similar lenders, lower than about three in four. Its LMI-tract share, 10.6%, and majority-minority-tract share, 5.5% against 11.2%, are also lower than most. The markets it serves, centred on St. Louis and Missouri, and a mix built on existing homeowners could account for this.
It has lent in St. Louis since 1992 and holds a 2.2% share there, against 2.3% the year before; Guild Mortgage Company, United Wholesale Mortgage and Rocket Mortgage lead.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Community Credit Union took 6,559 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.7% · Other 24.3% · Purchase 23.0% · Refinance 7.0%
Conventional 100.0% · of 2,573 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 2,430 | 94.4% |
| Illinois | 125 | 4.9% |
| Florida | 7 | 0.3% |
| Arkansas | 2 | 0.1% |
| Alabama | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 2,485 |
| Cape Girardeau | 3 |
| Chicago-Naperville-Schaumburg | 3 |
| Springfield | 3 |
| Cape Coral-Fort Myers | 2 |
| Columbia | 2 |
| Kansas City | 2 |
| Champaign-Urbana | 1 |
| Jefferson City | 1 |
| Joplin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T67186NPGCHI50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 674997 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567619 | 1992–2017 |
Established 1 January 1934. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: First Community Credit Union's data.
First Community Credit Union's data
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First Community Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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