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It made 393 loans in 2025, up 89% from 208. Similar lenders, meaning credit unions making between half and twice as many loans, typically grew 6%, and the whole market 10%. Its growth was faster than at more than nine in ten of them.
Applications / Mortgage Analytics / Lenders / Texas / Texas Trust Credit Union
Texas Trust Credit Union
Arlington, TX · Credit union · NCUA · $2.1 billion assets · 393 loans in 2025
Texas Trust Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
393
loans originated, 2025
477
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas Trust Credit Union nearly doubled its lending in 2025, and more of its loans went to lower-income borrowers and neighborhoods than at most similar credit unions.
Mostly not home purchases
Purchases were only 20.9% of its loans. Other purposes made up 41.5% and refinancing 31.6%. Every loan was conventional, with no government-backed lending, and its typical loan was $125,000, against $105,000 for peers.
Reaching poorer borrowers
Low- and moderate-income borrowers took 37.3% of its loans, against 27.3% at peers, higher than at more than four in five. In poorer neighborhoods the figure was 21.9%, against 15.4%. Almost half its loans, 46.6%, were in majority-minority neighborhoods, against 11.8% for peers.
A small player in big markets
It has lent in Dallas-Fort Worth-Arlington since 1993 and ranked 193 of 1,026 lenders there. Its best placing among its markets is San Angelo, where its share rose from 0.3% to 0.5%, ranking it 34 of 191. Mortgage Financial Services led that 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
393 loans in 2025, against a peak of 783 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texas Trust Credit Union took 477 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
41.5% of its 2025 loans were other loans; all were conventional loans.
Other 41.5% · Refinance 31.6% · Purchase 20.9% · Home improvement 6.1%
Conventional 100.0% · of 393 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, 7 metros, 32 counties
| State | Loans | Share |
|---|---|---|
| Texas | 393 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 172 |
| Dallas-Plano-Irving | 148 |
| San Angelo | 24 |
| Sherman-Denison | 3 |
| Waco | 2 |
| Abilene | 1 |
| Lubbock | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KKOHQFSTKHSN59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 482277 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568434 | 2002–2017 |
Established 1 January 1936. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Texas Trust Credit Union's data.
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