Applications / Mortgage Analytics / Lenders / Texas / United Texas Credit Union
San Antonio, TX · Credit union · STATE · $424 million assets · 61 loans in 2025
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61
loans originated, 2025
62
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Texas Credit Union, a San Antonio refinance lender whose loans go mostly to majority-minority neighborhoods, made about half as many loans in 2025 as a year earlier.
It made 61 loans, down 48% from 118, while similar lenders, credit unions making between half and twice as many loans, grew 7%. Its growth was lower than at almost all of them. Its count has fallen each year since 260 in 2022. Refinances made up 85.2% of its loans, and its typical rate was 4.00% five years before against 6.83% now; a lender so reliant on refinancing may simply have fewer members with a reason to refinance.
Some 60.7% of its loans went to majority-minority neighborhoods, against 9.7% at similar lenders, more than at nine in ten of them. The share was 66.1% in 2024 and 63.3% five years before, so this is a lasting feature of its lending. It may reflect where its members live.
None of its loans in 2025 was higher-priced, meaning a rate well above the average for similar loans, down from 9.0% in 2024. Its typical rate, 6.83%, was near its peers' 6.75%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Texas Credit Union took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 85.2% · Home improvement 8.2% · Not applicable 3.3% · Other 3.3%
Conventional 100.0% · of 61 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 | 61 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 28 |
| Fort Worth-Arlington-Grapevine | 22 |
| Dallas-Plano-Irving | 5 |
| Sherman-Denison | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| McAllen-Edinburg-Mission | 1 |
| San Angelo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B0SOOJLUT6U297 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 753584 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510245 | 2003–2016 |
| Respondent ID (the HMDA filer code before 2018) | 597107 | 2017–2017 |
Established 1 January 1955. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: United Texas Credit Union's data.
United Texas Credit Union's data
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United Texas 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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