Applications / Mortgage Analytics / Lenders / Texas / Austin Telco Federal Credit Union
Austin, TX · Credit union · NCUA · $2.6 billion assets · 415 loans in 2025
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415
loans originated, 2025
772
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Austin Telco Federal Credit Union lends mostly for home improvement, and its volume held flat in 2025 at 415 loans while similar lenders grew.
Home improvement made up 45.5% of its loans and purchases only 5.3%. All were conventional. Its typical loan, $95,000, was a little below the $105,000 at similar lenders (credit unions making between half and twice as many loans).
Originations were unchanged, while similar lenders grew 7% and the whole market 10%. Its count peaked at 1,166 in 2021 and fell to 476 in 2023. Because most of its loans improve homes, its volume may follow members' borrowing needs more than the purchase market.
None of its loans were higher-priced (a rate well above the average for similar loans), against 1.9% at peers. Its typical rate was 6.54%, against 6.99%. Majority-minority areas took 28.0% of its loans, against 11.1% at peers, while its shares to borrowers and neighborhoods with low or moderate incomes were a little below theirs.
Austin-Round Rock-San Marcos has been its largest market since 2003. There it ranked 95 of 753 lenders with 0.2%, unchanged from 2024; United Wholesale Mortgage and JPMorgan Chase Bank led. In 2025 it first lent in Longview.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Austin Telco Federal Credit Union took 772 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.5% · Refinance 28.2% · Other 21.0% · Purchase 5.3%
Conventional 100.0% · of 415 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 | 415 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 388 |
| San Antonio-New Braunfels | 3 |
| Killeen-Temple | 2 |
| College Station-Bryan | 1 |
| Corpus Christi | 1 |
| Longview | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003WN6DPWM6VYA67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 774 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54584 | 2003–2017 |
Established 1 January 1941. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Austin Telco Federal Credit Union's data.
Austin Telco Federal Credit Union's data
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Austin Telco 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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