Applications / Mortgage Analytics / Lenders / Texas / JSC Federal Credit Union
Houston, TX · Credit union · NCUA · $2.7 billion assets · 755 loans in 2025
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755
loans originated, 2025
1,831
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
JSC Federal Credit Union, a Houston credit union weighted to home-improvement and other-purpose loans, made 18% fewer loans in 2025 while similar lenders grew.
Originations fell 18% to 755, while the typical similar lender (credit unions making between half and twice as many loans) grew 8% and the whole market 10%. Its typical loan fell from $195,000 to $105,000. 2024 was its busiest year since 2020, and smaller loans may reflect a shift toward home-improvement and other-purpose lending. In Houston its share slipped from 0.5% to 0.3%, in line with its own lower volume.
Home improvement was 34.6% of its loans and other purposes 23.6%, ahead of purchases at 24.1% and refinances at 17.7%. In 2025 it also made some loans insured by the Federal Housing Administration (FHA), 2.8% of the total, after none in 2024; the typical peer made none. None of its loans was higher-priced (a rate well above the average for similar loans), and its typical rate, 6.25%, was lower than at more than four in five peers.
44.0% of its loans were in majority-minority tracts, against 10.5% for peers, higher than more than four in five; the share was 26.5% five years earlier. Only 14.4% went to low- and moderate-income (LMI) borrowers, against 27.6%, among the lowest tenth. Possible reasons are the incomes of its membership and a mix weighted to home-improvement and other loans to existing owners.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. JSC Federal Credit Union took 1,831 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 34.6% · Purchase 24.1% · Other 23.6% · Refinance 17.7%
Conventional 96.8% · FHA 2.8% · VA 0.4% · of 755 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 | 755 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 727 |
| Dallas-Plano-Irving | 6 |
| Fort Worth-Arlington-Grapevine | 6 |
| Austin-Round Rock-San Marcos | 2 |
| San Antonio-New Braunfels | 2 |
| Abilene | 1 |
| Brownsville-Harlingen | 1 |
| El Paso | 1 |
| Laredo | 1 |
| Lubbock | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004RSPU71QRHYI22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 647281 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514762 | 1990–2017 |
Established 1 January 1961. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: JSC Federal Credit Union's data.
JSC Federal Credit Union's data
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JSC 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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