Five years of growth
Last year's rise, 8% from 130, was close to the 9% at similar lenders (credit unions making between half and twice as many loans). The longer run is steeper. Its dollar lending grew to $15.3 million from $2.3 million in 2020.
Applications / Mortgage Analytics / Lenders / Texas / Cy-Fair Federal Credit Union
Cy-Fair Federal Credit Union
Houston, TX · Credit union · NCUA · $384 million assets · 140 loans in 2025
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140
loans originated, 2025
167
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cy-Fair Federal Credit Union has grown from 29 home loans in 2020 to 140 in 2025, almost without lending to home buyers: its loans pay for home improvements, other needs and refinancing.
Hardly any purchase loans
Home improvement made up 40.0% of its lending, other purposes 35.0% and refinances 24.3%. Purchases were 0.7%. All its loans were conventional. Its typical loan, $85,000, was smaller than the $105,000 at similar lenders, which may reflect loans that fix up homes rather than buy them.
A neighborhood lender in Houston
Areas where most residents belong to minority groups took 60.7% of its loans, against 9.8% at similar lenders, higher than nearly nine in ten of them. Its lending is concentrated in Houston-Pasadena-The Woodlands, where it ranks 312 of 929 lenders, and the pattern may reflect the parts of that area its members live in. Low- and moderate-income borrowers took 30.4% of its loans, close to the 28.8% at peers.
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
140 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cy-Fair Federal Credit Union took 167 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
40.0% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 40.0% · Other 35.0% · Refinance 24.3% · Purchase 0.7%
Conventional 100.0% · of 140 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
1 state, 2 metros, 6 counties
| State | Loans | Share |
|---|---|---|
| Texas | 140 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 139 |
| Austin-Round Rock-San Marcos | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LUMAIOXHIFK142 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 735580 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511452 | 2005–2017 |
Established 1 January 1956. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Cy-Fair Federal Credit Union's data.
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