Applications / Mortgage Analytics / Lenders / Texas / Firstmark Credit Union
San Antonio, TX · Credit union · NCUA · $1.2 billion assets · 334 loans in 2025
Firstmark Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
334
loans originated, 2025
832
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Firstmark Credit Union lends far more in majority-minority and lower-income neighborhoods than similar lenders, mostly for refinancing, home improvement and other purposes rather than purchases.
Purchases were only 10.2% of its loans. Refinances made up 37.1%, other purposes 30.5% and home improvement 22.2%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest tenth.
Low- and moderate-income (LMI) areas took 33.6% of its loans, against 15.6% at peers, higher than nearly all similar lenders. Majority-minority areas took 82.0%, against 12.3%. The pattern is long-standing: five years before, the figure was 79.9%.
It made 334 loans, 5% fewer than in 2024, while similar lenders grew 7%. Yet its lending rose to $38.5 million from $33.2 million, so its loans got larger. Five years before, it lent $14.5 million.
It has lent in San Antonio-New Braunfels since at least 1990. It ranked 90 of 669 lenders there, with 0.2% of lending, unchanged. United Wholesale Mortgage, Lennar Mortgage and DHI Mortgage Company led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Firstmark Credit Union took 832 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.1% · Other 30.5% · Home improvement 22.2% · Purchase 10.2%
Conventional 99.7% · VA 0.3% · of 334 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 | 332 | 99.4% |
| Florida | 1 | 0.3% |
| Indiana | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 315 |
| Houston-Pasadena-The Woodlands | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Dallas-Plano-Irving | 1 |
| Eagle Pass | 1 |
| El Paso | 1 |
| Killeen-Temple | 1 |
| Ocala | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ZPTT694OV6U433 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 681490 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562509 | 1990–2017 |
Established 1 January 1932. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Firstmark Credit Union's data.
Firstmark Credit Union's data
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Firstmark 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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