Applications / Mortgage Analytics / Lenders / Texas / Greater Texas Federal Credit Union
Austin, TX · Credit union · NCUA · $980 million assets · 259 loans in 2025
Greater Texas Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
259
loans originated, 2025
815
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Greater Texas Federal Credit Union lends only in Texas, mostly for home improvements and other purposes rather than purchases, and made 259 loans in 2025, about half as many as in 2020.
Home improvement made up 30.5% of its loans, other purposes 30.1%, and purchases and refinances 19.7% each. Its 259 loans were up 2% from 255 and close to the 260 of the typical similar lender (credit unions making between half and twice as many loans). In 2020 it made 538.
It lends in 18 metros and 50 counties, all in Texas. Its strongest market is College Station-Bryan, where it ranks 34 of 377 with 0.7% of lending, unchanged from 2024. In bigger metros such as Houston-Pasadena-The Woodlands and Austin-Round Rock-San Marcos its share is small.
Some 38.6% of its loans were in majority-minority areas, against 12.2% at similar lenders, a higher share than at about four in five of them; that fits a lender spread across large Texas metros. Its share in low- and moderate-income (LMI) neighborhoods fell to 12.0% from 16.9%, and its share to LMI borrowers, 21.2%, was lower than at most peers. A shift in where its members borrowed is one possible reason.
None of its 2025 loans was higher-priced (a rate well above the average for similar loans), against 1.9% at similar lenders. Its typical rate, 6.67%, was near the middle of its 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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Greater Texas Federal Credit Union took 815 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 30.5% · Other 30.1% · Purchase 19.7% · Refinance 19.7%
Conventional 100.0% · of 259 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 | 259 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| College Station-Bryan | 72 |
| Houston-Pasadena-The Woodlands | 44 |
| Austin-Round Rock-San Marcos | 42 |
| Dallas-Plano-Irving | 32 |
| Fort Worth-Arlington-Grapevine | 17 |
| McAllen-Edinburg-Mission | 17 |
| San Antonio-New Braunfels | 8 |
| Killeen-Temple | 2 |
| Waco | 2 |
| Abilene | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D5DG8D4966HK70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 385284 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57590 | 1991–2017 |
Established 1 January 1952. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Greater Texas Federal Credit Union's data.
Greater Texas Federal Credit Union's data
$215
Greater Texas 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.
Buy Greater Texas Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]