Applications / Mortgage Analytics / Lenders / Texas / Texas D P S Credit Union
Austin, TX · Credit union · NCUA · $98.7 million assets · 39 loans in 2025
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39
loans originated, 2025
77
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas D P S Credit Union, which first reported in 2023, lends mostly for home improvement and other purposes rather than for buying homes.
Other purposes made up 46.2% of its loans and home improvement 35.9%. Purchases were 10.3% and refinances 7.7%. All its 2025 loans were conventional. Its typical loan, $85,000, matches that of similar lenders, credit unions making between half and twice as many loans.
It made 39 loans in 2025, up 70% from 23. Similar credit unions grew by 1% and the whole market by 10%; it grew faster than about nine in ten of them. It filed no reports from 2018 to 2022, a gap in the record, not years without lending.
Its 39 loans reached 26 counties in seven metros, all in Texas. Majority-minority neighborhoods took 53.8% of them, against 9.1% at similar lenders, more than at about nine in ten. On so few loans, a handful of homes moves that share.
Its typical rate, 6.24%, was lower than at more than four in five similar credit unions, whose typical rate was 6.75%. Its share of higher-priced loans (a rate well above the average for similar loans) was 2.6%, close to the middle.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Texas D P S Credit Union took 77 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 46.2% · Home improvement 35.9% · Purchase 10.3% · Refinance 7.7%
Conventional 100.0% · of 39 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 | 39 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 17 |
| Dallas-Plano-Irving | 4 |
| Houston-Pasadena-The Woodlands | 4 |
| San Antonio-New Braunfels | 3 |
| Fort Worth-Arlington-Grapevine | 2 |
| Longview | 1 |
| Victoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 894500VAX8CTDV1CWC26 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 575795 | 2023–2023 |
Established 1 January 1954. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Texas D P S Credit Union's data.
Texas D P S Credit Union's data
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Texas D P S 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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