Applications / Mortgage Analytics / Lenders / Texas / Government Employees Federal Credit Union
Austin, TX · Credit union · NCUA · $187 million assets · 95 loans in 2025
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95
loans originated, 2025
95
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Government Employees Federal Credit Union, an Austin credit union, makes only refinance loans, and much of that lending goes to poorer and majority-minority neighborhoods.
All of its 95 loans in 2025 were refinances, and all were conventional. It made no home-purchase loans. Its typical loan, $105,000, was close to the $95,000 of similar lenders, credit unions making between half and twice as many loans.
Its typical rate was 5.50%, against 6.75% at the typical similar lender, lower than nearly all of them. The rate was the same the year before. Only 3.2% of its loans were higher-priced (a rate well above the average for similar loans), close to the 3.4% of its peers.
Some 42.1% of its loans went to majority-minority tracts, against 9.2% at the typical similar lender, and 28.4% to poorer neighborhoods (low- and moderate-income tracts), against 17.3%. Both shares are higher than about four in five peers. Austin, where it has lent since 2004, is its largest market.
Its loans fell 4%, from 99 to 95, while similar lenders grew 7% and the whole market 10%. A lender that makes only refinances may rise and fall with borrowers' appetite to refinance in a way that purchase lenders do not. Its share of Austin held at 0.1%, ranking 226 of 753 lenders. Its peak in recent years was 135 loans in 2022; it filed no report for 2021, a gap in the record rather than a year without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Government Employees Federal Credit Union took 95 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 100.0%
Conventional 100.0% · of 95 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 | 95 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 82 |
| San Antonio-New Braunfels | 4 |
| Houston-Pasadena-The Woodlands | 2 |
| Killeen-Temple | 2 |
| Dallas-Plano-Irving | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005O0QVSV3RWRR20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 562991 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524465 | 2004–2017 |
Established 1 January 1934. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Government Employees Federal Credit Union's data.
Government Employees Federal Credit Union's data
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Government 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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