Applications / Mortgage Analytics / Lenders / Texas / Generations Community Federal Credit Union
San Antonio, TX · Credit union · NCUA · $739 million assets · 211 loans in 2025
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211
loans originated, 2025
425
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Generations Community Federal Credit Union lends almost entirely in majority-minority neighborhoods: 86.2% of its loans went there, against 10.8% at similar credit unions.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 41.4% of its loans, against 16.5% at similar lenders (credit unions making between half and twice as many loans). That share and its majority-minority share were both higher than at nearly all of them. Five years earlier they were 27.7% and 64.4%.
Refinancing made up 50.7% of its loans and other purposes 41.2%; purchases were only 8.1%. Every loan was conventional, and its typical loan, $105,000, matched its peers'. The mix suggests it mainly serves people who already own their homes.
Its loans fell 21%, to 211, while similar lenders grew 7% and the whole market 10%. The count has fallen every year since 2022. Weaker demand for refinancing and other borrowing among its members could explain it, as could a choice to lend less.
It has lent in San Antonio-New Braunfels, TX since 1996 and ranks 111 of 669 lenders there, with 0.2% of the market in both years. Elsewhere in Texas its presence is minimal.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Generations Community Federal Credit Union took 425 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.7% · Other 41.2% · Purchase 8.1%
Conventional 100.0% · of 211 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 | 210 | 99.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 201 |
| Dallas-Plano-Irving | 3 |
| Corpus Christi | 1 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UX6CADCIYJ3506 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 399777 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54015 | 1996–2017 |
Established 1 January 1940. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Generations Community Federal Credit Union's data.
Generations Community Federal Credit Union's data
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Generations Community Federal 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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