Applications / Mortgage Analytics / Lenders / Texas / TDECU
Houston, TX · Credit union · NCUA · $5.0 billion assets · 1,116 loans in 2025
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1,116
loans originated, 2025
1,617
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TDECU is a Houston credit union that ranked 2 of 170 lenders in Victoria, Texas, and makes more FHA loans, insured by the Federal Housing Administration, than nearly all similar lenders.
FHA loans were 3.1% of its lending, against none at most similar lenders (credit unions making between half and twice as many loans). Purchases were 63.7% of its loans, and its typical loan, $215,000, was larger than at more than nine in ten peers.
All its lending was in 1 state. In Victoria it held 8.7%, down 0.4 points; in a market of $287.5M a few large loans by competitors can move shares. In Houston-Pasadena-The Woodlands, its market since before 1990, it held 0.5% and ranked 44 of 929. Its 2025 merger with Space City Credit Union may have added to its volume; that credit union's filings count in its market shares.
Majority-minority areas took 47.5% of its loans against 10.2% at peers, and LMI (low- and moderate-income) areas 17.4% against 14.9%. Its Houston base is one possible reason. LMI borrowers took 20.7%, against 27.3% at peers; its larger loans are one possible reason.
Originations rose 5% to 1,116, against 8% at peers and 10% for the whole market. That is less than a third of its 3,915 loans in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TDECU took 1,617 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.7% · Other 22.0% · Refinance 14.2% · Home improvement 0.1%
Conventional 96.0% · FHA 3.1% · VA 0.9% · of 1,116 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 | 1,116 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 778 |
| Victoria | 132 |
| Dallas-Plano-Irving | 11 |
| Beaumont-Port Arthur | 9 |
| Fort Worth-Arlington-Grapevine | 9 |
| San Antonio-New Braunfels | 9 |
| Austin-Round Rock-San Marcos | 5 |
| Corpus Christi | 3 |
| Longview | 3 |
| College Station-Bryan | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I7M2M0Q6LCLA63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 434593 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560705 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: TDECU's data.
TDECU's data
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