Applications / Mortgage Analytics / Lenders / Texas / First Community Credit Union
Houston, TX · Credit union · NCUA · $3.0 billion assets · 537 loans in 2025
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537
loans originated, 2025
860
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Credit Union is a Texas credit union that lends mostly for home purchases, with larger loans than similar credit unions, and its 537 loans in 2025 were 45% more than in 2024.
Originations rose 45%, against 6% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, faster than almost nine in ten of them. Its count had fallen from 676 in 2021 to 371 in 2024, so 2025 regained part of that ground. Its dollar total, $150.2 million, was higher than the $81.6 million at peers.
Home purchases were 54.0% of its loans and other purposes 28.3%, all conventional. Its typical loan, $245,000, was more than double the $105,000 at peers, higher than almost all of them. Its typical rate, 6.24%, was lower than the 7.00% at peers, lower than about four in five.
Majority-minority areas took 53.8% of its loans, against 10.5% at peers, higher than about nine in ten. LMI (low- and moderate-income) borrowers took 13.1%, against 27.5%, among the lowest tenth, and LMI areas 11.0%, against 15.2%. Possible reasons are its larger purchase loans, which may go to higher-income households, and its focus on the Houston area, where it ranked 80 of 929 lenders with 0.3%, up 0.1 points.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 860 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.0% · Other 28.3% · Refinance 10.4% · Home improvement 7.3%
Conventional 100.0% · of 537 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 |
|---|---|---|
| Texas | 537 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 486 |
| Dallas-Plano-Irving | 26 |
| Austin-Round Rock-San Marcos | 5 |
| Fort Worth-Arlington-Grapevine | 4 |
| San Antonio-New Braunfels | 3 |
| Beaumont-Port Arthur | 1 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F52SJSXL6QRM73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 794194 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566818 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
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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