Applications / Mortgage Analytics / Lenders / Texas / EECU
Fort Worth, TX · Credit union · NCUA · $4.6 billion assets · 1,011 loans in 2025
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1,011
loans originated, 2025
1,969
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
EECU is a Texas credit union lending mainly for home improvement and refinancing, and its originations fell 30% to 1,011 while similar lenders grew 9%.
Originations fell 30% from 1,446, against growth of 9% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Its dollar volume fell less, to $190.7 million from $216.7 million, as its typical loan rose to $115,000. One possible reason is lower demand for the home-improvement and refinance loans that make up most of its lending; another is a move toward larger loans.
Home improvement was 37.3% of its originations, refinances 31.8%, other-purpose loans 18.4% and purchases 12.5%. Every loan was conventional, and its higher-priced share (a rate well above the average for similar loans) was 0.5%, against 1.6% at peers.
Majority-minority areas took 27.3% of its loans, against 10.4% at similar lenders, up from 18.5% five years before. LMI (low- and moderate-income) borrowers took 20.7%, against 27.9%; one possible reason is its mix, since home-improvement and refinance loans go to existing owners, who may have higher incomes than buyers.
It ranked 83 of 1,026 lenders in Dallas-Fort Worth-Arlington, where it has lent since 1992; United Wholesale Mortgage and Rocket Mortgage led. Its lending covers 46 counties, all in Texas. Jumbo loans (larger than the conforming limit) were 5.5% of its lending, against 1.0% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. EECU took 1,969 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.3% · Refinance 31.8% · Other 18.4% · Purchase 12.5%
Conventional 100.0% · of 1,011 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 | 1,011 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 766 |
| Dallas-Plano-Irving | 157 |
| Houston-Pasadena-The Woodlands | 12 |
| Austin-Round Rock-San Marcos | 6 |
| Sherman-Denison | 4 |
| Waco | 4 |
| San Antonio-New Braunfels | 2 |
| Amarillo | 1 |
| Corpus Christi | 1 |
| Longview | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z7KF7I03AULW22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 820598 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567928 | 1992–2017 |
Established 1 January 1934. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: EECU's data.
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