Applications / Mortgage Analytics / Lenders / Texas / First Central Credit Union
Waco, TX · Credit union · NCUA · $181 million assets · 79 loans in 2025
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79
loans originated, 2025
146
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Central Credit Union, in Waco, Texas, is mainly a home-improvement lender, and it lends in poorer and majority-minority neighborhoods far more than similar credit unions do.
Home improvement accounted for 63.3% of its 79 loans in 2025, and home purchases for just 11.4%. Such loans tend to be small, which may explain why its typical loan, $75,000, was lower than the $95,000 at similar lenders (credit unions making between half and twice as many loans).
Low- and moderate-income (LMI) neighborhoods took 40.5% of its loans, against 17.4% at peers, which puts it among the highest tenth. Majority-minority neighborhoods took 41.8%, against 9.3%. Both shares have eased over five years; in 2020 LMI neighborhoods took 53.4%.
It made 79 loans in both 2024 and 2025, while similar lenders grew 7% and the whole market 10%. Its yearly count has ranged between 58 and 81 since 2018.
In Waco, where it first reported in 1996, it ranked 57th of 368 lenders, with 0.3% of the market, the same as in 2024. All its lending is in Texas, across 8 counties.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Central Credit Union took 146 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 63.3% · Refinance 25.3% · Purchase 11.4%
Conventional 100.0% · of 79 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 | 79 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 58 |
| Killeen-Temple | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GHFQ9KF6G4PN32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 979197 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567644 | 1996–2017 |
Established 1 January 1937. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: First Central Credit Union's data.
First Central Credit Union's data
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First Central 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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