A one-city lender
All its lending is in the Houston metro area, across six counties. It has lent there since 2013 and ranked 468 of 929 lenders in 2025, a small player in a large market.
Applications / Mortgage Analytics / Lenders / Texas / Space City Credit Union
Space City Credit Union
Houston, TX · Credit union · NCUA · $134 million assets · 23 loans in 2025
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23
loans originated, 2025
23
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Space City Credit Union is a very small Houston credit union that made 23 mortgage loans in 2025, all of them in the Houston area.
Gaps in the record
It filed no HMDA report from 2018 to 2022. Those years are gaps in the record, not years without lending; since 2020 a lender making fewer than 100 closed-end loans a year need not report. It reported 41 loans in 2023, 22 in 2024 and 23 in 2025.
Mostly refinances
Refinances were the largest part of its 23 loans in 2025, with purchases and other purposes making up the rest. Its loans came to $4.5 million in all. At this size a few large or small loans move the typical loan a long way, so loan sizes say little when set beside similar lenders, meaning credit unions making between half and twice as many loans.
Too small to compare
There are 280 similar credit unions. With 23 loans, its shares of lending in poorer or majority-minority neighborhoods, and its typical rate, rest on too few loans to read much into; a few loans either way would change them sharply.
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 41 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Space City Credit Union took 23 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
65.2% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 65.2% · Other 17.4% · Purchase 17.4%
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, 1 metro, 6 counties
| State | Loans | Share |
|---|---|---|
| Texas | 23 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IQQH2FDQ54AX07 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 111090 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561135 | 2013–2015 |
Established 1 January 1965. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Space City Credit Union's data.
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