Applications / Mortgage Analytics / Lenders / Texas / Capitol Credit Union
Austin, TX · Credit union · NCUA · $230 million assets · 107 loans in 2025
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107
loans originated, 2025
223
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capitol Credit Union, a Texas credit union, lends mostly to people who already own their homes, and its lending grew faster than most similar lenders' in 2025.
Originations rose 29% to 107, faster than about seven in ten similar lenders (credit unions making between half and twice as many loans). Part of the rise is a recovery. The count fell to 83 in 2024 and is still below its 2022 level.
Loans for other purposes made up 40.2% of its originations and home improvement 29.9%. Purchases were only 16.8%. Every loan was conventional, and its typical loan, $105,000, was the same as similar lenders'.
Some 50.5% of its loans were in majority-minority neighborhoods, against 9.7% at similar lenders, a higher share than nearly nine in ten of them. In 2020 the figure was 31.6%. It lent less often to low- and moderate-income (LMI) borrowers: 23.4%, lower than about two-thirds of its peers. One possible reason is that improvement and other-purpose loans go to people who already own homes.
It has lent in Austin-Round Rock-San Marcos since 1993. Its share there rose 0.1 points to 0.1%, ranking 225 of 753 lenders; United Wholesale Mortgage and JPMorgan Chase Bank led. In 2025 it began lending in McAllen-Edinburg-Mission.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capitol Credit Union took 223 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 40.2% · Home improvement 29.9% · Purchase 16.8% · Refinance 13.1%
Conventional 100.0% · of 107 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 | 107 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 78 |
| Houston-Pasadena-The Woodlands | 8 |
| Dallas-Plano-Irving | 5 |
| San Antonio-New Braunfels | 4 |
| Killeen-Temple | 3 |
| Fort Worth-Arlington-Grapevine | 2 |
| McAllen-Edinburg-Mission | 2 |
| Corpus Christi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I3SDXHG6BUD309 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 629894 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567865 | 1993–2017 |
Established 1 January 1954. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Capitol Credit Union's data.
Capitol Credit Union's data
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