Applications / Mortgage Analytics / Lenders / Texas / Houston Federal Credit Union
Sugar Land, TX · Credit union · NCUA · $951 million assets · 85 loans in 2025
Houston Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
85
loans originated, 2025
181
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Houston Federal Credit Union lends mostly in majority-minority neighborhoods, and in 2025 it made 44% fewer loans while similar credit unions grew.
It made 85 loans, down from 153 in 2024, while similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market 10%. Few similar lenders shrank as fast. Its loans were split almost evenly between refinances, purchases and other purposes, so no single product explains the drop; whether it pulled back from one line is the question the data leave open.
Its typical loan rose to $195,000 from $105,000, about double the $95,000 at similar lenders and larger than at almost nine in ten of them. Larger loans meant its dollar volume, $18.8 million, stayed above similar lenders' $11.9 million.
Six in ten of its loans, 61.2%, went to majority-minority neighborhoods, against 9.1% at similar lenders. A fifth went to low- and moderate-income (LMI) neighborhoods, a little above peers' 17.2%. Its share of LMI borrowers was lower, 22.4% against 30.2%, perhaps because its larger loans went to households with higher incomes.
Houston, where it has lent since 1994, is its largest market. It ranked 303 of 929 lenders there, in a $43.85B market led by United Wholesale Mortgage and Rocket Mortgage.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Houston Federal Credit Union took 181 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 32.9% · Refinance 31.8% · Purchase 30.6% · Home improvement 4.7%
Conventional 100.0% · of 85 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 | 82 | 96.5% |
| South Carolina | 3 | 3.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 78 |
| Greenville-Anderson-Greer | 3 |
| Austin-Round Rock-San Marcos | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V422J2GUSZPZ35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 580780 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514091 | 1994–2017 |
Established 1 January 1960. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Houston Federal Credit Union's data.
Houston Federal Credit Union's data
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Houston 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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