Applications / Mortgage Analytics / Lenders / Texas / Brazos Valley Schools Credit Union
Katy, TX · Credit union · NCUA · $1.0 billion assets · 144 loans in 2025
Brazos Valley Schools Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
144
loans originated, 2025
487
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Brazos Valley Schools Credit Union is a refinancing lender in Houston, and most of its loans go to neighborhoods where minority groups are the majority, a far higher share than at its peers.
Refinances made up 70.8% of its lending and purchases 28.5%. Every loan was conventional, and none was a jumbo loan (larger than the conforming limit). Its typical loan, $120,000, was a little above the $105,000 at similar lenders (credit unions making between half and twice as many loans).
It made 144 loans in 2025, exactly as many as in 2024. The typical similar lender grew by 9%, the whole market by 10%. Its lending peaked at 332 in 2021 and has hovered between 135 and 153 since. A lender this reliant on refinances may move with refinancing demand more than with home sales.
Areas where most residents belong to minority groups took 61.1% of its loans, against 9.8% at similar lenders, higher than about nine in ten of them. Low- and moderate-income (LMI) neighborhoods took 20.8%, against 17.3%. Its main market is Houston-Pasadena-The Woodlands, where it has lent since at least 1990 and ranks 285 of 929. The pattern may reflect the parts of the Houston area its members live in.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Brazos Valley Schools Credit Union took 487 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 70.8% · Purchase 28.5% · Home improvement 0.7%
Conventional 100.0% · of 144 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 | 144 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 123 |
| College Station-Bryan | 9 |
| San Antonio-New Braunfels | 1 |
| Tyler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U1V61ZDK023383 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 497392 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566353 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Brazos Valley Schools Credit Union's data.
Brazos Valley Schools Credit Union's data
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Brazos Valley Schools 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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