Applications / Mortgage Analytics / Lenders / Texas / Evolve Federal Credit Union
El Paso, TX · Credit union · NCUA · $323 million assets · 16 loans in 2025
Evolve Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
16
loans originated, 2025
22
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Evolve Federal Credit Union is a small El Paso credit union whose home lending has shrunk to 16 loans a year, all of them in a single county.
It made 95 home loans in 2018, 81 in 2020 and 46 in 2023. Since then it has made 16 a year. Its typical rate rose from 3.02% in 2020 to 6.05%, which may have cut demand. Holding steady in 2025 put it ahead of similar lenders (credit unions making between half and twice as many loans), whose lending fell 11% in the typical case, though the whole market grew 10%.
All its lending is in one county in the El Paso metro, where it has reported since 1990. It ranks 102 of 332 lenders there, with 0.1% of the market. United Wholesale Mortgage leads El Paso, followed by Rocky Mountain Mortgage Company.
Nearly all its loans go to majority-minority neighborhoods: 98.8% of its 81 loans in 2020. That may simply reflect where it lends: in 2025 all its loans were in one county. Its 16 loans in 2025 are too few to compare its borrowers' incomes with those at similar lenders.
Refinances made up most of its 2025 loans, and all were conventional loans. With so few loans, its loan sizes and rates can swing on a handful of cases, so they say little about how it compares with similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Evolve Federal Credit Union took 22 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 62.5% · Purchase 37.5%
Conventional 100.0% · of 16 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 | 16 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| El Paso | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930020NKD4V7LL4W50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 265573 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51792 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Evolve Federal Credit Union's data.
Evolve Federal Credit Union's data
$215
Evolve 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.
Buy Evolve Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]