Applications / Mortgage Analytics / Lenders / Texas / Harris County Federal Credit Union
Houston, TX · Credit union · NCUA · $218 million assets · 45 loans in 2025
Harris County Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
45
loans originated, 2025
91
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Harris County Federal Credit Union is a small Houston lender whose mortgages more often pay for home improvements than for home purchases.
Home improvement made up 42.2% of its loans and other purposes 24.4%. Purchases were only 15.6%. Its typical loan, $75,000, was smaller than the $95,000 of similar lenders, which here means credit unions making between half and twice as many loans. Every loan was conventional.
Of its loans, 68.9% were in majority-minority neighborhoods, against 9.4% at similar lenders, higher than about nineteen in twenty of them. Low- and moderate-income neighborhoods took 35.6%, against 17.3%. It lends in seven counties; its largest market is Houston, where it ranked 462 of 929 lenders.
Its loans fell 25%, from 60 to 45, while similar lenders grew by 3% and the whole market by 10%. It made 75 loans in 2022. On counts this small, a few loans either way move the figure, and the reason for the fall is not clear from its filings.
It first reported in 2006 but filed no report for 2020 or 2021; since 2020 a lender making fewer than 100 closed-end loans a year need not report. Those years are gaps in the record, not years 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Harris County Federal Credit Union took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 42.2% · Other 24.4% · Refinance 17.8% · Purchase 15.6%
Conventional 100.0% · of 45 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 | 45 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 43 |
| Beaumont-Port Arthur | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N7MKAZNGCKT625 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 311881 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57552 | 2006–2017 |
Established 1 January 1951. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Harris County Federal Credit Union's data.
Harris County Federal Credit Union's data
$215
Harris County 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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