Applications / Mortgage Analytics / Lenders / Texas / Genco Federal Credit Union
Waco, TX · Credit union · NCUA · $480 million assets · 64 loans in 2025
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64
loans originated, 2025
205
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Genco Federal Credit Union, a Waco lender that has filed since at least 1990, has about doubled its lending since a low of 31 loans in 2022.
It made 64 loans in 2025, against 62 a year earlier and 31 in 2022. That puts it close to its 2018 level of 66. Growth last year was 3%, slower than the 7% at similar lenders (credit unions making between half and twice as many loans) and the 10% for the whole market.
Refinances made up 42.2% of its loans and home improvement 20.3%; purchases were only 25.0%. Every loan was conventional, without government backing, as at most similar credit unions. Its typical loan, $125,000, was larger than at about two-thirds of them, where the typical loan was $95,000.
Its lending leans toward poorer areas. Of its loans, 23.8% went to low- and moderate-income (LMI) tracts, against 17.4% at similar lenders, and 20.3% to majority-minority tracts, about double their 9.3%. Its share of loans to LMI borrowers was lower, at 12.5% against 31.0%. Its larger loans may go to better-off members, and with 64 loans a few either way move the figure.
In Waco, its home market since at least 1990, it ranked 48 of 368 lenders, with 0.5% of lending, up from 0.4%. SWBC Mortgage led. It first lent in the Houston area and in non-metro New Mexico in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Genco Federal Credit Union took 205 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.2% · Purchase 25.0% · Home improvement 20.3% · Other 12.5%
Conventional 100.0% · of 64 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 | 63 | 98.4% |
| New Mexico | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 45 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S63J8KM7BY5617 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 320780 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58585 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Genco Federal Credit Union's data.
Genco Federal Credit Union's data
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Genco 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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