Applications / Mortgage Analytics / Lenders / Texas / AMOCO Federal Credit Union
Texas City, TX · Credit union · NCUA · $1.5 billion assets · 368 loans in 2025
AMOCO Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
368
loans originated, 2025
596
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AMOCO Federal Credit Union makes loans about twice the size of similar lenders', but its lending shrank for a second year in 2025.
Originations fell 14% to 368, while similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market 10%. Its growth was lower than at more than four in five of them. It made 568 loans in 2023, though it still makes more than the 212 of 2018. The data do not show what drove the fall.
Its typical loan was $215,000, against $105,000 at similar lenders, higher than at more than nine in ten. Just over half its loans, 51.6%, were home purchases. All were conventional.
Majority-minority neighborhoods took 32.3% of its loans, against 11.9% at peers, up from 21.4% five years before. Low- and moderate-income (LMI) borrowers took 19.3%, against 27.5%, lower than at about four in five similar lenders. Its larger loans are one possible reason, and that share has risen from 12.4% five years before.
None of its loans was higher-priced (a rate well above the average for similar loans), against 1.9% at peers. Its typical rate, 6.38%, was lower than at about three in four similar lenders, whose typical rate was 6.99%. In Houston, its only metro, it ranked 110 of 929 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AMOCO Federal Credit Union took 596 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.6% · Refinance 29.1% · Other 11.1% · Home improvement 8.2%
Conventional 100.0% · of 368 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 | 368 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 368 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TIRELTI8ENRL83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1017573 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52441 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: AMOCO Federal Credit Union's data.
AMOCO Federal Credit Union's data
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AMOCO 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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