Applications / Mortgage Analytics / Lenders / Texas / Texar Federal Credit Union
Texarkana, TX · Credit union · NCUA · $446 million assets · 77 loans in 2025
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77
loans originated, 2025
88
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texar Federal Credit Union, a Texarkana lender that mostly refinances existing homes, more than doubled its loans in 2025 after a four-year slide.
It made 77 loans, up 114%. Similar lenders, credit unions making between half and twice as many loans, grew by 7%, and the whole market by 10%; it grew faster than nearly all of them. The rebound leaves it far below the 339 loans of 2020 and the 280 of 2021. As a lender that mostly refinances, its volume may rise and fall with demand for refinancing.
Refinances made up 81.8% of its loans and purchases 18.2%, all of them conventional. Manufactured homes were 14.3% of its lending; most similar credit unions made none. Its typical rate, 6.25%, was lower than at about four in five similar lenders, whose typical rate was 6.75%.
In Texarkana it ranks 19 of 198 lenders, and its share rose to 1.5% from 1.0%. It has lent there since 1997. Mortgage Financial Services and Red River Employees Federal Credit Union lead the market.
Borrowers with low or moderate incomes (LMI) took 22.2% of its loans, against 30.6% at similar lenders, up from 11.8% in 2024. A book of refinances serves people who already own homes, which may explain part of the gap. Majority-minority neighborhoods took 14.3% of its loans, against 9.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texar Federal Credit Union took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 81.8% · Purchase 18.2%
Conventional 100.0% · of 77 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 | 53 | 68.8% |
| Arkansas | 23 | 29.9% |
| Oklahoma | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Texarkana | 54 |
| Fayetteville-Springdale-Rogers | 1 |
| Longview | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U1HSN2YJRJ0U33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1098 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524567 | 1997–2017 |
Established 1 January 1951. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Texar Federal Credit Union's data.
Texar Federal Credit Union's data
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Texar 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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