Not a home-buying lender
Refinances made up 33.6% of its loans, home-improvement loans 27.5% and other purposes 23.0%. Every loan was conventional, with no government backing. It serves people who already own their homes far more than buyers.
Applications / Mortgage Analytics / Lenders / Texas / Texans Credit Union
Texans Credit Union
Richardson, TX · Credit union · NCUA · $2.5 billion assets · 378 loans in 2025
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378
loans originated, 2025
1,442
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texans Credit Union lends mostly against homes its members already own: purchases were only 15.9% of its 378 loans in 2025.
Growth after a long slide
Its loans rose 17%, from 322 to 378, faster than at about two in three similar lenders (credit unions making between half and twice as many loans), which grew 6%. The whole market grew 10%. It remains well below the 892 loans it made in 2021 and the 555 of 2018.
Lower prices
Only 0.8% of its loans were higher-priced (a rate well above the average for similar loans), against 1.8% at similar lenders. Its typical rate, 6.67%, was also lower than theirs, 6.99%.
Lending in minority neighborhoods
Of its loans, 40.5% were in majority-minority neighborhoods, against 12.0% at similar lenders, more than at four in five of them. Its loans are concentrated in big Texas metros, led by Dallas-Fort Worth, where it ranked 195th of 1,026 lenders, and Houston; their neighborhoods may account for the pattern. It has reported since 1990.
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
378 loans in 2025, against a peak of 892 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texans Credit Union took 1,442 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
33.6% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 33.6% · Home improvement 27.5% · Other 23.0% · Purchase 15.9%
Conventional 100.0% · of 378 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, 12 metros, 28 counties
| State | Loans | Share |
|---|---|---|
| Texas | 378 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 332 |
| Houston-Pasadena-The Woodlands | 11 |
| Fort Worth-Arlington-Grapevine | 10 |
| Sherman-Denison | 10 |
| Austin-Round Rock-San Marcos | 3 |
| Killeen-Temple | 2 |
| Midland | 2 |
| Brownsville-Harlingen | 1 |
| Corpus Christi | 1 |
| McAllen-Edinburg-Mission | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GY97XGRF7XZO52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 244792 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560806 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Texans Credit Union's data.
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