Applications / Mortgage Analytics / Lenders / Texas / Texas Health Credit Union
Austin, TX · Credit union · NCUA · $144 million assets · 25 loans in 2025
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25
loans originated, 2025
34
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas Health Credit Union is a small Austin lender whose 25 loans in 2025 were mostly for purposes other than buying a home, and its lending has shrunk every year since 2022.
It made 25 loans in 2025, down from 42 the year before and 95 in 2022. That fall of 40% was steeper than at nearly nine in ten similar lenders, meaning credit unions making between half and twice as many loans; their typical change was a fall of 5%, while the whole market grew 10%. With so few loans, a handful either way moves these figures a lot. The record also has gaps: it filed no report for 2020 or 2021, which is not the same as lending nothing.
None of its loans in 2025 financed a purchase. Other purposes made up 68.0% and home improvement 24.0%, with refinancing the rest. Every loan was conventional, with no government-backed lending, which is typical of its peers. The numbers are too small to say much about whom it lends to or at what price.
It has lent in Austin since 2003, the year of its first report, and ranked 375 of 753 lenders there in 2025, with a share too small to show. United Wholesale Mortgage and JPMorgan Chase Bank led that market. It also makes the odd loan in Houston and San Antonio, where it ranks near the bottom.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Texas Health Credit Union took 34 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 68.0% · Home improvement 24.0% · Refinance 8.0%
Conventional 100.0% · of 25 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 | 25 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 20 |
| Brownsville-Harlingen | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WR7Z70C25QD821 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 633798 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567452 | 2003–2017 |
Established 1 January 1956. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Texas Health Credit Union's data.
Texas Health Credit Union's data
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Texas Health 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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