Applications / Mortgage Analytics / Lenders / Texas / Raiz Federal Credit Union / Competition
Raiz Federal Credit Union
El Paso, TX · Credit union · NCUA · $1.1 billion assets · 205 loans in 2025
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205
loans originated, 2025
327
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who Raiz Federal Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — EL PASO, TX, 2025
Raiz Federal Credit Union ranks 28th of 332 lenders in El Paso, TX, with $30.0M lent: 0.9% of a $3.34B market.
El Paso, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Raiz Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — LAS CRUCES, NM, 2025
Raiz Federal Credit Union ranks 77th of 231 lenders in Las Cruces, NM, with $1.9M lent: 0.2% of a $1.02B market.
Las Cruces, NM is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Raiz Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — HOUSTON-PASADENA-THE WOODLANDS, TX, 2025
Raiz Federal Credit Union ranks 761st of 929 lenders in Houston-Pasadena-The Woodlands, TX, with $525K lent: 0.0% of a $43.85B market.
Houston-Pasadena-The Woodlands, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Raiz Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO NEW MEXICO, 2025
Raiz Federal Credit Union ranks 248th of 353 lenders in non-metro New Mexico, with $460K lent: 0.0% of a $1.95B market.
non-metro New Mexico is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Raiz Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — SAN ANTONIO-NEW BRAUNFELS, TX, 2025
Raiz Federal Credit Union ranks 584th of 669 lenders in San Antonio-New Braunfels, TX, with $320K lent: 0.0% of a $16.26B market.
San Antonio-New Braunfels, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Raiz Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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