Applications / Mortgage Analytics / Lenders / Texas / Lone Star Federally Insured State-Chartered Credit Union
Dallas, TX · Credit union · NCUA · $189 million assets · 69 loans in 2025
Lone Star Federally Insured State-Chartered Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
69
loans originated, 2025
155
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lone Star Federally Insured State-Chartered Credit Union, a Dallas credit union, lends far more than its peers in poorer neighborhoods, and almost none of it is for buying homes.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 39.1% of its loans, against 17.2% at similar lenders (credit unions making between half and twice as many loans), higher than nearly all of them. Borrowers with low or moderate incomes took 42.0%, against peers' 30.9%.
Refinances made up 39.1% of its loans, home improvement 36.2% and other purposes 21.7%. Purchases were just 2.9%. All were conventional, and its typical loan was $105,000.
Its loans fell 21%, to 69 from 87, while similar lenders grew 7%; only about one in seven fell further. Since 2018 its yearly total has ranged between 36 and 89, so one weak year on a small base says little.
Dallas-Fort Worth-Arlington is its largest market, where it ranks 442 of 1,026 lenders. United Wholesale Mortgage leads. It has filed since 2001 and lends only in Texas.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lone Star Federally Insured State-Chartered Credit Union took 155 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 39.1% · Home improvement 36.2% · Other 21.7% · Purchase 2.9%
Conventional 100.0% · of 69 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 | 69 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 62 |
| Fort Worth-Arlington-Grapevine | 2 |
| Tyler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V315P16H3FSD37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 546188 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568449 | 2001–2017 |
Established 1 January 1967. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Lone Star Federally Insured State-Chartered Credit Union's data.
Lone Star Federally Insured State-Chartered Credit Union's data
$215
Lone Star Federally Insured State-Chartered 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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