Applications / Mortgage Analytics / Lenders / Texas / Security Service Federal Credit Union
San Antonio, TX · Credit union · NCUA · $14.2 billion assets · 3,637 loans in 2025
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3,637
loans originated, 2025
7,518
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Security Service Federal Credit Union, a San Antonio lender whose loans go heavily to majority-minority and low- and moderate-income areas, shrank in 2025 while the whole market and most similar credit unions grew.
Loans fell 12% to 3,637, while similar lenders (credit unions making between half and twice as many loans) typically grew 9% and the whole market 10%; its change was among the lowest tenth. Loans have fallen each year from 9,249 in 2020, though its $724.9 million lent was still higher than about seven in ten peers.
Majority-minority tracts took 49.6% of its loans, against 9.1% at peers, higher than more than nine in ten, and low- and moderate-income (LMI) tracts 19.1%, against 15.0%. Its San Antonio base could explain much of this. LMI borrowers took 28.4%, up from 19.3% five years earlier.
Loans for other purposes made up 51.0% of its lending and refinance 30.7%; home purchase was 17.3% and home improvement only 1.1%. All its loans were conventional, and only 0.3% were higher-priced (a rate well above the average for similar loans), against 1.5% at peers.
It ranks 13 of 669 in San Antonio-New Braunfels, where it has lent since before 1990, with 1.6% of the market, unchanged. It also lends in Colorado and Utah, where its share in Provo-Orem-Lehi fell 0.4 points to 0.5%.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Security Service Federal Credit Union took 7,518 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 51.0% · Refinance 30.7% · Purchase 17.3% · Home improvement 1.1%
Conventional 100.0% · of 3,637 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 | 2,268 | 62.4% |
| Colorado | 857 | 23.6% |
| Utah | 507 | 13.9% |
| Florida | 2 | 0.1% |
| Montana | 1 | 0.0% |
| New Mexico | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 1,376 |
| Denver-Aurora-Centennial | 324 |
| McAllen-Edinburg-Mission | 243 |
| Colorado Springs | 204 |
| Salt Lake City-Murray | 182 |
| Provo-Orem-Lehi | 181 |
| Brownsville-Harlingen | 127 |
| El Paso | 99 |
| Corpus Christi | 94 |
| Fort Collins-Loveland | 83 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008N1D96CHCTQC27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 666581 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511065 | 1990–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Security Service Federal Credit Union's data.
Security Service Federal Credit Union's data
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Security Service 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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