Applications / Mortgage Analytics / Lenders / Texas / Concho Educators Federal Credit Union
San Angelo, TX · Credit union · NCUA · $99.8 million assets · 13 loans in 2025
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13
loans originated, 2025
13
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Concho Educators Federal Credit Union is a very small refinance lender in San Angelo, Texas: it made 13 home loans in 2025, all of them refinances, and has reported its lending since 1990.
Its 13 loans compare with 19 at the middle of similar lenders, credit unions making between half and twice as many loans, a group of 137. Every loan was a conventional refinance; it made no purchase loans and none backed by the government. With so few loans, its shares of lending to particular borrowers or neighborhoods are too small to read much into.
It made 25 loans in 2018 and fewer every year after, down to six in 2024. The 13 it made in 2025 were more than double that, but still about half its 2018 total. The record gives no reason for the decline; a credit union this size may simply have had fewer members seeking home loans, or chosen to lend in other ways.
All its lending was in four Texas counties. In San Angelo it ranks 70 of 191 lenders in a market worth $542.3M. The leader there is Mortgage Financial Services, with $74.3M of loans. It has lent in San Angelo since 1990, and in the rest of non-metro Texas since 1992, though it makes few loans 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Concho Educators Federal Credit Union took 13 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 100.0%
Conventional 100.0% · of 13 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 | 13 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Angelo | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004TN1RD20MW1Y08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 664970 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54684 | 1990–2017 |
Established 1 January 1941. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Concho Educators Federal Credit Union's data.
Concho Educators Federal Credit Union's data
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Concho Educators 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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