Applications / Mortgage Analytics / Lenders / Texas / Red River Employees Federal Credit Union
Texarkana, TX · Credit union · NCUA · $1.6 billion assets · 380 loans in 2025
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380
loans originated, 2025
506
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Red River Employees Federal Credit Union is the second-largest lender in Texarkana, and it buys loans as well as making them.
In Texarkana it ranked 2 of 198 lenders with 6.0% of the market, against 6.6% a year earlier; Mortgage Financial Services led. In a market this small, a few loans move its share. In Shreveport-Bossier City its share rose to 0.5% from 0.2%, and it ranked 50 of 255. These figures count Shreveport Federal Credit Union, which merged into it in 2017.
It made 380 loans in 2025, up 8%, against 6% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. It also bought 132 loans; the typical similar lender bought none. The figures do not show what kinds of loans it buys, or where.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 22.0% of its loans, against 15.4% at peers. Majority-minority areas took 24.7%, against 12.0%. Manufactured homes were 3.9% of its lending, against 0.3%. Home purchases were 55.0% of its loans.
It turned down 1.8% of home-purchase applications, against 6.8% at peers, lower than at nearly nine in ten similar lenders. Its typical loan was $135,000, against $105,000.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Red River Employees Federal Credit Union took 506 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.0% · Refinance 28.7% · Other 15.8% · Home improvement 0.5%
Conventional 99.7% · VA 0.3% · of 380 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 | 207 | 54.5% |
| Arkansas | 104 | 27.4% |
| Louisiana | 47 | 12.4% |
| Oklahoma | 10 | 2.6% |
| Mississippi | 7 | 1.8% |
| Alabama | 2 | 0.5% |
| Colorado | 2 | 0.5% |
| Missouri | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Texarkana | 162 |
| Shreveport-Bossier City | 45 |
| Dallas-Plano-Irving | 16 |
| Houston-Pasadena-The Woodlands | 5 |
| Little Rock-North Little Rock-Conway | 5 |
| Longview | 5 |
| Beaumont-Port Arthur | 2 |
| Denver-Aurora-Centennial | 2 |
| Fort Worth-Arlington-Grapevine | 2 |
| Monroe | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EAO0HUFDR48U74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 699178 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55029 | 1990–2017 |
Established 1 January 1943. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Red River Employees Federal Credit Union's data.
Red River Employees Federal Credit Union's data
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Red River Employees 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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