Applications / Mortgage Analytics / Lenders / Texas / 1st Community Federal Credit Union
San Angelo, TX · Credit union · NCUA · $408 million assets · 76 loans in 2025
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76
loans originated, 2025
126
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st Community Federal Credit Union mostly makes small loans for things other than buying a home, and holds a steady 1.1% of the San Angelo market.
Other-purpose loans made up 60.5% of its lending and home improvement 13.2%; purchases were only 17.1%. Its typical loan was $80,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans). All its loans were conventional, with none backed by the government.
Almost half its loans, 48.7%, went to majority-minority areas, against 9.2% at similar lenders, a share higher than nearly nine in ten of them. Five years earlier it was 33.1%. Its footprint of ten Texas counties, unlike those of credit unions elsewhere, may account for the difference. Its lending in low- and moderate-income (LMI) areas was near the middle, and its share to LMI borrowers a little lower than similar lenders'.
It made 76 loans in 2025, up 9% from 70, about in step with similar lenders' 7% and the whole market's 10%. That is still well below the 124 loans it made in 2020.
It has lent in San Angelo since 1994 and ranks 20 of 191 lenders there, with 1.1% of a $542.3M market, unchanged from 2024. Mortgage Financial Services and American Pacific Mortgage lead. Because its loans are small, its share of dollars may understate how many loans it makes there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 1st Community Federal Credit Union took 126 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 60.5% · Purchase 17.1% · Home improvement 13.2% · Refinance 9.2%
Conventional 100.0% · of 76 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 | 76 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Angelo | 55 |
| Midland | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BOONATEIE9GC38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 328085 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58715 | 1994–2017 |
Established 1 January 1953. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: 1st Community Federal Credit Union's data.
1st Community Federal Credit Union's data
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1st 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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