Not a purchase lender
All 23 loans it reported in 2025 were for home improvement or other purposes. None financed a purchase or a refinance. That makes it a lender to members who already own their homes, not to buyers.
Applications / Mortgage Analytics / Lenders / Texas / Southwest Financial Federal Credit Union
Southwest Financial Federal Credit Union
Farmers Branch, TX · Credit union · NCUA · $86.5 million assets · 23 loans in 2025
Southwest Financial Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
23
loans originated, 2025
26
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southwest Financial Federal Credit Union is a very small Texas lender whose reported loans all paid for home improvements or other purposes rather than for buying or refinancing a home.
Gaps in the record
It filed no HMDA report from 2018 to 2022. Since 2020 a lender making fewer than 100 closed-end loans a year need not report. Those years are gaps in the record, not years without lending. It reported 32 loans in 2023, 21 in 2024 and 23 in 2025.
Long roots in Dallas
It first reported in 1990, and Dallas has been one of its markets since then. All its lending is in Texas, across eight counties. In Dallas it ranked 656 of 1,026 lenders.
Too small to compare
Similar lenders here are credit unions making between half and twice as many loans; there are 280 of them. With 23 loans, its shares of lending in poorer neighborhoods, and its typical rate, rest on too few loans to read much into.
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, 2023–2025
23 loans in 2025, against a peak of 32 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Southwest Financial Federal Credit Union took 26 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
65.2% of its 2025 loans were other loans; all were conventional loans.
Other 65.2% · Home improvement 34.8%
Conventional 100.0% · of 23 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
1 state, 3 metros, 8 counties
| State | Loans | Share |
|---|---|---|
| Texas | 23 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 15 |
| Houston-Pasadena-The Woodlands | 4 |
| Fort Worth-Arlington-Grapevine | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930007CZ6K4RNOYC20 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 150585 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515327 | 1990–2015 |
Established 1 January 1962. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Southwest Financial Federal Credit Union's data.
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