Applications / Mortgage Analytics / Lenders / Texas / Laredo Federal Credit Union
Laredo, TX · Credit union · NCUA · $134 million assets · 28 loans in 2025
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28
loans originated, 2025
36
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Laredo Federal Credit Union is a small lender whose 28 loans in 2025 mostly paid for work on homes its members already own.
Home improvement made up 71.4% of its lending and refinances 25.0%; it financed almost no purchases. That may explain its small loans: a typical $75,000, against $95,000 at similar lenders, meaning credit unions making between half and twice as many loans. All its loans were conventional.
It made 28 loans, up from 23, while similar lenders fell 3%. But its count has stayed between 23 and 28 in every reported year since 2018, so the rise looks like noise rather than a trend. It filed no report for 2021 or 2022; those are gaps in the record, not years without lending.
It has lent in Laredo since 1999 and held 0.4% of that $689.9M market in 2025, ranking 47 of 168 lenders. PrimeLending led the market, followed by United Wholesale Mortgage. All its loans were in majority-minority neighborhoods, against 11.1% at similar lenders, which may simply reflect the two Texas markets where it lends.
Some 17.9% of its loans went to low- and moderate-income borrowers, against 32.0% at similar lenders. On 28 loans the gap is too small to read much into, and home-improvement loans to existing owners may draw a different set of borrowers from home purchases.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Laredo Federal Credit Union took 36 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 71.4% · Refinance 25.0% · Purchase 3.6%
Conventional 100.0% · of 28 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 | 28 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Laredo | 27 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004ZMFHUD3MB7B40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 842684 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511011 | 1999–2017 |
Established 1 January 1956. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Laredo Federal Credit Union's data.
Laredo Federal Credit Union's data
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