Applications / Mortgage Analytics / Lenders / Texas / Public Employees Credit Union
Austin, TX · Credit union · NCUA · $437 million assets · 65 loans in 2025
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65
loans originated, 2025
118
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Public Employees Credit Union, an Austin credit union, makes no home-purchase loans; it lends for home improvements and other purposes, and buys more loans than it makes.
Home-improvement loans made up 50.8% of its lending in 2025 and other-purpose loans 41.5%. Refinances were the rest. Its typical loan, $85,000, was smaller than the $95,000 at similar lenders (credit unions making between half and twice as many loans). All of it was conventional.
It bought 108 loans in 2025, more than the 65 it made. A typical similar lender bought none. It bought 227 in 2020 and 100 in 2024, so buying loans is a regular part of its business.
Majority-minority neighborhoods took 47.7% of its loans, against 9.2% at a typical similar lender, more than at nearly nine in ten of them. Low- and moderate-income neighborhoods took 25.0%, against 17.4%. Its rate was lower than peers', 6.19% against 6.75%, and none of its loans was higher-priced (a rate well above the average for similar loans).
Loans rose 8% to 65, close to the 7% at similar lenders. It has reported since 1992, and in Austin, its largest market, it ranks 324 of 753 lenders. On so few loans, any one year's shares can move a lot.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Public Employees Credit Union took 118 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.8% · Other 41.5% · Refinance 7.7%
Conventional 100.0% · of 65 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 | 65 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 51 |
| Houston-Pasadena-The Woodlands | 3 |
| Dallas-Plano-Irving | 2 |
| College Station-Bryan | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| San Angelo | 1 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QMMJSALZQVP721 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 572093 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567428 | 1992–2017 |
Established 1 January 1952. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Public Employees Credit Union's data.
Public Employees Credit Union's data
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Public Employees 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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