Applications / Mortgage Analytics / Lenders / Texas / Nizari Progressive Federal Credit Union
Sugar Land, TX · Credit union · NCUA · $488 million assets · 47 loans in 2025
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47
loans originated, 2025
83
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Nizari Progressive Federal Credit Union is a small Texas credit union that makes unusually big loans.
Its typical loan in 2025 was $425,000, against $95,000 at similar credit unions (those of the same type making between half and twice as many loans). That is higher than at almost all of them. One loan in ten, 10.9%, was jumbo (larger than the conforming limit); the typical peer made none. So its 47 loans came to $23.6 million, against $6.5 million at a typical peer. All were conventional, and its typical rate, 6.10%, was lower than at most peers.
Most of its loans, 59.6%, went to majority-minority neighborhoods, against 9.6% at peers, a higher share than at about nine in ten. Few went to low- and moderate-income (LMI) borrowers: 8.5%, against 31.0%, among the lowest tenth. Its loan size may explain much of that, since a $425,000 mortgage needs a larger income to carry.
Its loans fell 6% in 2025, to 47, while similar credit unions grew 4% and the whole market 10%. Its count peaked at 75 in 2023. It filed no report for 2020 to 2022, a gap in the record rather than years without lending.
Texas is its main state, and it has lent around Houston since 2010, where it ranks 347 of 929. Yet its loans reach five states and 11 metros, and in 2025 it entered Birmingham and Decatur in Alabama and Virginia Beach. In each of its markets its share rounds to nothing.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Nizari Progressive Federal Credit Union took 83 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.4% · Refinance 42.6%
Conventional 100.0% · of 47 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 | 41 | 87.2% |
| Alabama | 3 | 6.4% |
| Arkansas | 1 | 2.1% |
| Georgia | 1 | 2.1% |
| Virginia | 1 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 24 |
| Dallas-Plano-Irving | 6 |
| Fort Worth-Arlington-Grapevine | 5 |
| Austin-Round Rock-San Marcos | 3 |
| San Antonio-New Braunfels | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Beaumont-Port Arthur | 1 |
| Birmingham | 1 |
| Decatur | 1 |
| Little Rock-North Little Rock-Conway | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930047YAX7UHRKN043 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1888269 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524384 | 2010–2017 |
Established 1 January 1989. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Nizari Progressive Federal Credit Union's data.
Nizari Progressive Federal Credit Union's data
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Nizari Progressive 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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