Applications / Mortgage Analytics / Lenders / Texas / Raiz Federal Credit Union
El Paso, TX · Credit union · NCUA · $1.1 billion assets · 205 loans in 2025
Raiz Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
205
loans originated, 2025
327
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Raiz Federal Credit Union, an El Paso credit union, makes nearly all its loans in majority-minority neighborhoods, from refinances to home improvements.
Majority-minority neighborhoods took 98.5% of its loans, against 10.8% at similar lenders (credit unions making between half and twice as many loans), the highest share among them. Low- and moderate-income (LMI) neighborhoods took 25.9%, against 16.8%. LMI borrowers took 19.5%, against 27.9%; its larger typical loan, $125,000 against peers' $105,000, may be one reason.
Refinances made up 39.0% of its loans, purchases 35.1% and home improvement 22.9%. All were conventional, with no government backing.
It made 205 loans in 2025, up 6%, close to the 7% rise at similar lenders. It made 269 in 2020.
In El Paso it ranks 28 of 332 lenders, with 0.9% of the market against 1.1% a year earlier. United Wholesale Mortgage leads there. Its lending fell from $36.9 million to $33.2 million even as it made more loans, which may account for the dip.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Raiz Federal Credit Union took 327 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 39.0% · Purchase 35.1% · Home improvement 22.9% · Other 2.9%
Conventional 100.0% · of 205 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 | 193 | 94.1% |
| New Mexico | 12 | 5.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| El Paso | 190 |
| Las Cruces | 10 |
| San Antonio-New Braunfels | 2 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SLOQGL2LEMSD33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 503172 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51409 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Raiz Federal Credit Union's data.
Raiz Federal Credit Union's data
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Raiz 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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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.
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