Applications / Mortgage Analytics / Lenders / Texas / Texas Bay Area Credit Union
Houston, TX · Credit union · NCUA · $891 million assets · 327 loans in 2025
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327
loans originated, 2025
749
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas Bay Area Credit Union more than doubled its lending in 2025, and most of what it makes is neither purchase nor refinance loans.
Its loans rose 146%, from 133 to 327. Similar lenders (credit unions making between half and twice as many loans) grew 7%, and the whole market 10%; few similar lenders grew faster. It had fallen to 133 in 2024, and remains below the 427 it made in 2020.
Other-purpose loans made up 35.8% of its lending and home-improvement loans 20.2%. Purchases were 30.9% and refinances 13.1%. Every loan was conventional, with no government backing.
Of its loans, 71.9% were in majority-minority neighborhoods, against 12.1% at similar lenders, and 25.2% in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 15.8%. Both shares are higher than at more than nine in ten similar lenders. Houston, its largest market, may account for both.
It has lent in Houston since 1992. It ranked 154th of 929 lenders there in 2025, with 0.1% of lending, up from 0.0%. United Wholesale Mortgage led the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texas Bay Area Credit Union took 749 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 35.8% · Purchase 30.9% · Home improvement 20.2% · Refinance 13.1%
Conventional 100.0% · of 327 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 | 326 | 99.7% |
| Tennessee | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 313 |
| College Station-Bryan | 2 |
| San Antonio-New Braunfels | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Dallas-Plano-Irving | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z4E78BSM0XM758 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 720791 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567465 | 1992–2017 |
Established 1 January 1936. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Texas Bay Area Credit Union's data.
Texas Bay Area Credit Union's data
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Texas Bay Area 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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