Applications / Mortgage Analytics / Lenders / Texas / Rally Credit Union
Corpus Christi, TX · Credit union · NCUA · $4.7 billion assets · 1,474 loans in 2025
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1,474
loans originated, 2025
4,767
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rally Credit Union is a Texas credit union that grew 15% in 2025 and gained share in its three largest markets, ranking third in Corpus Christi with 6.0%.
It ranked 3 of 389 lenders in Corpus Christi, where it has lent since 1991, behind DHI Mortgage Company and United Wholesale Mortgage; its share rose 0.5 points to 6.0%. In McAllen-Edinburg-Mission its share rose 1.1 points to 4.3%, sixth of 295, and in Brownsville-Harlingen 1.1 points to 3.5%, fifth of 286.
Originations rose 15% to 1,474, against 9% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, faster than about two-thirds of peers. Refinances were 54.6% of its loans and home purchases 33.6%.
Majority-minority areas took 88.9% of its loans, against 10.3% at peers, higher than nearly all of them, and LMI (low- and moderate-income) areas 20.3%, against 15.0%. One possible reason for both is where it lends: all its lending is in Texas, centred on Corpus Christi, McAllen and Brownsville.
LMI borrowers took 21.4% of its loans, lower than about three in four peers (27.1%), though up from 16.4% five years before. Its typical loan, $155,000, was larger than at about seven in ten peers ($115,000), one possible reason for the lower borrower share.
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rally Credit Union took 4,767 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.6% · Purchase 33.6% · Other 8.6% · Home improvement 3.2%
Conventional 99.6% · VA 0.4% · of 1,474 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 | 1,474 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Corpus Christi | 659 |
| McAllen-Edinburg-Mission | 467 |
| Brownsville-Harlingen | 199 |
| San Antonio-New Braunfels | 18 |
| Austin-Round Rock-San Marcos | 5 |
| Victoria | 5 |
| Dallas-Plano-Irving | 3 |
| Houston-Pasadena-The Woodlands | 3 |
| Beaumont-Port Arthur | 2 |
| Fort Worth-Arlington-Grapevine | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CPM35KXH0BZ823 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 930189 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59998 | 1990–2011 |
| Respondent ID (the HMDA filer code before 2018) | 568615 | 2012–2017 |
Established 1 January 1955. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Rally Credit Union's data.
Rally Credit Union's data
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