Applications / Mortgage Analytics / Lenders / Texas / KBR Heritage Federal Credit Union
Houston, TX · Credit union · NCUA · $78.5 million assets · 5 loans in 2025
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5
loans originated, 2025
13
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
KBR Heritage Federal Credit Union made five home loans in 2025, too few for its figures to describe a pattern of lending.
The credit union has made between 2 and 19 home loans a year since 2018. Its busiest year was 2020, with 19; it made 2 in 2024 and 5 in 2025. Similar lenders, credit unions making between half and twice as many loans, typically made 7. With counts this small, rates and shares can swing on a single loan, so they are best left aside.
It first reported in 2004 and lends in four counties across two states. In Houston-Pasadena-The Woodlands, where it has lent since 2004, it ranks 710 of 929 in a market led by United Wholesale Mortgage and Rocket Mortgage. It ranks 474 of 753 in Austin-Round Rock-San Marcos and 684 of 757 in Washington-Arlington-Alexandria, which it entered in 2020.
All its loans in 2025 were conventional home purchases, with no refinancing. On five loans, that is a description of one year rather than a strategy.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. KBR Heritage Federal Credit Union took 13 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 5 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 | 4 | 80.0% |
| Virginia | 1 | 20.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 3 |
| Arlington-Alexandria-Reston | 1 |
| Austin-Round Rock-San Marcos | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006CXHXIFN8Q4S89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 525080 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58344 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: KBR Heritage Federal Credit Union's data.
KBR Heritage Federal Credit Union's data
$215
KBR Heritage 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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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.
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