Applications / Mortgage Analytics / Lenders / Texas / First Watch Federal Credit Union
Abilene, TX · Credit union · NCUA · $100 million assets · 13 loans in 2025
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13
loans originated, 2025
29
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Watch Federal Credit Union is a small Abilene, Texas, credit union that made 13 home loans in 2025, split evenly between purchases and refinancing.
It made 13 loans in 2025, down from 14 in 2024 and 78 in 2018. It filed no reports for 2020 to 2022; those years are gaps in the record, not years without lending. Similar lenders, credit unions making between half and twice as many loans, made 19 in the typical case and fell 17%, more than its 7%.
Its lending is concentrated around Abilene, where it has reported since 1994. It ranked 69 of 251 lenders there, with 0.2% of the market, down from 0.3%. First Financial Bank led the market. At this size a change that small can come from a loan or two.
Purchases and refinancing each made up 46.2% of its loans, and 84.6% were conventional. Its typical loan was $145,000, against $115,000 at similar lenders. With 13 loans, its shares of lending to low- and moderate-income borrowers and neighborhoods rest on too few cases to compare with similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First Watch Federal Credit Union took 29 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.2% · Refinance 46.2% · Home improvement 7.7%
Conventional 84.6% · FHA 15.4% · 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 |
|---|---|
| Abilene | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DGOV1UVLJKW474 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 958884 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513290 | 1994–2017 |
Established 1 January 1959. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: First Watch Federal Credit Union's data.
First Watch Federal Credit Union's data
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First Watch 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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