Applications / Mortgage Analytics / Lenders / Texas / Shell Federal Credit Union
Deer Park, TX · Credit union · NCUA · $2.0 billion assets · 755 loans in 2025
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755
loans originated, 2025
1,703
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Shell Federal Credit Union is a Texas credit union lending mostly for refinancing, home improvement and other purposes, with an unusually large share of its loans in majority-minority areas: 64.7%, against 10.5% at similar lenders.
Purchases were 12.6% of its loans and refinances 35.8%. Every loan was conventional, and none was higher-priced (a rate well above the average for similar loans). Its typical loan, $95,000, was smaller than at about three-quarters of similar lenders (credit unions making between half and twice as many loans), where it was $105,000; small home-improvement and other-purpose loans are one plausible reason.
Of its loans, 26.5% were in LMI (low- and moderate-income) areas and 64.7% in majority-minority areas, higher than nearly all similar lenders, whose shares were 15.0% and 10.5%. Both have risen since 2020, from 21.4% and 45.8%. Its lending is centred on Houston, whose make-up may account for much of this.
Originations fell 9% to 755, while similar lenders grew 8% and the whole market 10%; its growth was lower than about five in six peers'. The 2025 total was about half its 1,482 loans of 2020, when its typical rate was 2.88%; in 2025 it was 6.75%. With refinancing its largest line, higher rates may explain much of the fall.
In Houston-Pasadena-The Woodlands, where it has lent since before 1990, it ranked 107 of 929 lenders with 0.2% of the market, unchanged from 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Shell Federal Credit Union took 1,703 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 35.8% · Other 29.9% · Home improvement 21.7% · Purchase 12.6%
Conventional 100.0% · 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 | 754 | 99.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 740 |
| Beaumont-Port Arthur | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Brownsville-Harlingen | 1 |
| Dallas-Plano-Irving | 1 |
| McAllen-Edinburg-Mission | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CYYO0YQ3EVCV77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 74579 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51941 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Shell Federal Credit Union's data.
Shell Federal Credit Union's data
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Shell 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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