Applications / Mortgage Analytics / Lenders / Texas / Members Choice of Central Texas Federal Credit Union
Waco, TX · Credit union · NCUA · $213 million assets · 32 loans in 2025
Members Choice of Central Texas Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
32
loans originated, 2025
56
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members Choice of Central Texas Federal Credit Union, a Waco credit union reporting since 1990, is a small lender that mostly refinances its members' homes.
Refinances made up 65.6% of its 32 loans in 2025, and home purchases 31.3%. All its loans were conventional, with no government backing. Its typical loan, $180,000, was larger than the $95,000 at similar lenders (credit unions making between half and twice as many loans), though on so few loans the comparison is rough.
It made 32 loans in 2025, up 19% from 27 in 2024, while similar lenders were flat. That is still well below the 96 of 2022 and the 61 of 2020. The data do not say why lending fell after 2022.
Waco is its main market, where it has lent since 1990. It ranks 55 of 368 lenders there, with a 0.4% share, unchanged from 2024. SWBC Mortgage leads, ahead of United Wholesale Mortgage and Rocket Mortgage. It also lends in Killeen-Temple, but only a little. All its lending is in 4 Texas counties.
Its shares of lending in poorer and majority-minority neighborhoods rose in 2025. On 32 loans, a handful of loans either way moves such shares by several points, so there is too little to read much into them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Members Choice of Central Texas Federal Credit Union took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 65.6% · Purchase 31.3% · Home improvement 3.1%
Conventional 100.0% · of 32 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 | 32 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 29 |
| Killeen-Temple | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PZMV3V09E3HO84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 19570 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5199 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Members Choice of Central Texas Federal Credit Union's data.
Members Choice of Central Texas Federal Credit Union's data
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Members Choice of Central Texas 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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