Applications / Mortgage Analytics / Lenders / Texas / 4U Federal Credit Union
Gainesville, TX · Credit union · NCUA · $148 million assets · 27 loans in 2025
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27
loans originated, 2025
27
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
4U Federal Credit Union is a small Texas credit union whose home lending is mostly for purposes other than buying or refinancing, and it made only 27 loans in 2025.
4U Federal Credit Union made 27 loans in 2025, down 23% from 35 the year before. Similar lenders, meaning credit unions making between half and twice as many loans, fell 4%, while the whole market rose 10%. The credit union made 60 loans in 2020 and 54 in 2022. On so few loans a year, a handful of borrowers more or fewer could account for the fall.
Nearly nine in ten of its loans, 88.9%, were for purposes other than buying a home or refinancing; the remaining 11.1% were refinances. It made no home-purchase loans in 2025. Every loan was conventional, with none backed by a government agency. Its total lending, $4.0 million, matched that of the typical similar credit union.
The credit union lends in 1 metro and 3 counties, all in Texas. In Sherman-Denison it ranks 105 of 343 lenders with 0.2% of the market, up 0.1 points on the year; United Wholesale Mortgage and First United Bank and Trust Company lead there. It has reported its lending since 2014. Its loan counts are too small to say much about the neighborhoods or borrowers it serves.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 4U Federal Credit Union took 27 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 88.9% · Refinance 11.1%
Conventional 100.0% · of 27 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 | 27 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sherman-Denison | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900EQ7TPQ6NBKRF55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 635484 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511067 | 2014–2017 |
Established 1 January 1956. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: 4U Federal Credit Union's data.
4U Federal Credit Union's data
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4U 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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