Applications / Mortgage Analytics / Lenders / Texas / Members Trust of the Southwest Federal Credit Union
Houston, TX · Credit union · NCUA · $262 million assets · 56 loans in 2025
Members Trust of the Southwest Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
56
loans originated, 2025
80
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members Trust of the Southwest Federal Credit Union is a small Texas lender that mostly refinances, and it made 56 loans in 2025, much as it did the year before.
Refinances made up 76.8% of its loans and purchases the rest. Its loans held at 56 against 55 a year earlier, while similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market 10%. It filed no report for 2021 or 2022, and made 21 loans in 2023, so its recent record has gaps.
Its typical loan was $140,000, against $95,000 at the typical similar lender, larger than about three-quarters of them. Manufactured homes made up 8.9% of its loans, where the typical peer made none. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.0% at the typical peer, and its typical rate of 6.69% sat near the middle.
Its share of loans to low- and moderate-income (LMI) borrowers, 30.9%, matched peers' 31.0%. But only 5.4% of its loans went to LMI neighborhoods, against 17.4%, among the lowest tenth of similar lenders. On 56 loans a handful can swing that figure: it was 16.7% the year before. Loans in majority-minority neighborhoods, at 17.9%, were a larger share than at about two-thirds of peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Members Trust of the Southwest Federal Credit Union took 80 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 76.8% · Purchase 23.2%
Conventional 100.0% · of 56 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 | 56 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 15 |
| Killeen-Temple | 2 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NRFBF7DSU0LE80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 414773 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51584 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Members Trust of the Southwest Federal Credit Union's data.
Members Trust of the Southwest Federal Credit Union's data
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Members Trust of the Southwest 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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