# First Central Credit Union

> **Canonical URL:** https://saferate.com/lenders/first-central-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Central Credit Union is a credit union, headquartered in Waco, TX, with 22 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900GHFQ9KF6G4PN32
- **Headquarters:** Waco, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 22
- **Dollar Volume:** $2 million
- **Applications Received:** 75
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $79,545
- **Average Borrower Income:** $69,136
- **Average Property Value:** $154,091

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 27/100 | 22 | - | - | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 13 | $1M | - | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 22 | 0.01% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Waco, TX | TX | 15 | 59/100 |

## Where This Lender Ranks

First Central Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Waco, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does First Central Credit Union offer?

First Central Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Central Credit Union offer mortgages?

First Central Credit Union offers mortgages in 1 states: TX.

### What type of lender is First Central Credit Union?

First Central Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Waco, TX.

### What is First Central Credit Union's loan approval success rate?

First Central Credit Union has a pull-through score of 24/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-central-credit-union

### How to Cite

> "First Central Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-central-credit-union

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