Applications / Mortgage Analytics / Lenders / Texas / Windthorst Federal Credit Union
Windthorst, TX · Credit union · NCUA · $97.2 million assets · 38 loans in 2025
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38
loans originated, 2025
43
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Windthorst Federal Credit Union is a small Texas lender that doubled its share in Wichita Falls in 2025, its home market since 1994.
The credit union's share of lending in Wichita Falls rose to 1.0% from 0.5%, ranking it 17 of 209. American National Bank & Trust leads the market. Its loans rose to 38 from 28, a gain of 36%, while similar lenders, credit unions making between half and twice as many loans, grew by 1%. On so few loans, one good year counts for a lot.
Purchases and refinances each made up 31.6% of its loans, with other purposes and home improvement making up the rest. Every loan was conventional. Its typical loan, $115,000, was larger than the $85,000 of similar lenders.
None of its loans went to low- and moderate-income (LMI) neighborhoods, against 17.4% at similar lenders, and 18.4% went to LMI borrowers, against 31.6%. With 38 loans the shares rest on a handful of borrowers, and lending in a few counties may reach few such neighborhoods. It filed no reports for several recent years, including 2020 to 2022, so its record has gaps.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Windthorst Federal Credit Union took 43 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 31.6% · Refinance 31.6% · Other 21.1% · Home improvement 15.8%
Conventional 100.0% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita Falls | 30 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TTMTYIYZ986C56 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 786984 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516373 | 1994–2015 |
Established 1 January 1964. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Windthorst Federal Credit Union's data.
Windthorst Federal Credit Union's data
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