Applications / Mortgage Analytics / Lenders / Texas / Security First Federal Credit Union
Edinburg, TX · Credit union · NCUA · $521 million assets · 37 loans in 2025
Security First Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
37
loans originated, 2025
90
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Security First Federal Credit Union is a small Edinburg lender whose loans go almost entirely to majority-minority neighborhoods, which may simply reflect where it lends.
Of its 37 loans, 91.9% were in majority-minority neighborhoods, against 9.1% at similar lenders, credit unions making between half and twice as many loans. It lends in just two counties, in the McAllen and Brownsville areas, and the make-up of those places may explain the figure. It has lent around McAllen since at least 1990.
Its typical rate was 5.70%, lower than at nearly all similar lenders, whose typical rate is 6.75%. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.1% at similar lenders.
It made 37 loans in 2025, 33% fewer than the 55 of 2024; similar lenders were flat. Its typical loan, $145,000, is well above the $87,500 at similar lenders. Refinancing makes up 37.8% of its loans and purchases 29.7%, with other purposes and home improvement the rest. With so few loans, its year-to-year swings say little.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Security First Federal Credit Union took 90 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.8% · Purchase 29.7% · Other 18.9% · Home improvement 13.5%
Conventional 100.0% · of 37 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 | 37 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| McAllen-Edinburg-Mission | 23 |
| Brownsville-Harlingen | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CZYL6IDJDBUR04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 619774 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55547 | 1990–2017 |
Established 1 January 1947. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Security First Federal Credit Union's data.
Security First Federal Credit Union's data
$215
Security First 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.
Buy Security First Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]