Applications / Mortgage Analytics / Lenders / Texas / Educators Credit Union
Waco, TX · Credit union · NCUA · $593 million assets · 38 loans in 2025
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38
loans originated, 2025
38
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Educators Credit Union, a Waco, Texas credit union, lends mainly for home improvement; its 38 loans in 2025 were 27% more than in 2024.
Home improvement made up 81.6% of its loans, refinances 13.2% and home purchases just 5.3%, all conventional. Its typical loan was $70,000, against $85,000 at similar lenders (credit unions making between half and twice as many loans). Small loans fit a book of improvement loans rather than purchase mortgages.
Its loans rose from 30 to 38, while similar lenders typically grew 1%; its growth was higher than about three in four of them. It has made between 30 and 61 loans a year since 2018, with no reports for 2020 and 2021. With so few loans, one year's change can be large.
It has lent in Waco, TX since 1991. It ranked 83 of 368 lenders there, with a steady 0.2% share; SWBC Mortgage and United Wholesale Mortgage lead. Its lending came to $3.8 million, against $5.5 million at similar lenders. Its smaller improvement loans may explain the gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Educators Credit Union took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 81.6% · Refinance 13.2% · Purchase 5.3%
Conventional 100.0% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 33 |
| Killeen-Temple | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 8945002AZSML1PBU6N20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 906296 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567611 | 1991–2017 |
Established 1 January 1938. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Educators Credit Union's data.
Educators Credit Union's data
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Educators 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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