Applications / Mortgage Analytics / Lenders / Texas / Texell Credit Union
Temple, TX · Credit union · NCUA · $774 million assets · 282 loans in 2025
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282
loans originated, 2025
474
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texell Credit Union, based in Temple, mostly lends for purposes other than buying a home, and nearly a third of its loans went to low- and moderate-income borrowers in 2025.
Other purposes made up 47.5% of its loans and refinancing 35.5%; purchases were only 16.3%. Every loan was conventional, with no government-backed lending. Its typical loan was $95,000, smaller than the $105,000 of similar lenders, meaning credit unions making between half and twice as many loans.
Low- and moderate-income borrowers took 30.1% of its loans, up from 19.5% the year before and a little above the 27.3% at peers. In majority-minority neighborhoods the share was 31.9%, against 12.9% for peers, higher than at more than seven in ten. Its rate was typical, 6.74% against 6.88%.
It made 282 loans, down 11% from 318, while similar lenders typically grew 7% and the whole market 10%. Its dollar lending still edged up, from $36.0 million to $37.3 million, as its typical loan grew. The figures do not show why the count fell.
It has lent in Killeen-Temple since its first report in 2010 and ranked 28 of 394 lenders there in 2025. Its share slipped from 0.8% to 0.7%; its smaller loan count is one possible reason. Fairway Independent Mortgage and DHI Mortgage Company led that market. In Waco its share held at 0.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texell Credit Union took 474 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 47.5% · Refinance 35.5% · Purchase 16.3% · Home improvement 0.7%
Conventional 100.0% · of 282 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 | 282 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Killeen-Temple | 199 |
| Waco | 36 |
| Austin-Round Rock-San Marcos | 28 |
| Dallas-Plano-Irving | 2 |
| Houston-Pasadena-The Woodlands | 2 |
| Beaumont-Port Arthur | 1 |
| Brownsville-Harlingen | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BDFK1ZR5QSYO15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 360272 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568608 | 2010–2017 |
Established 1 January 1948. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Texell Credit Union's data.
Texell Credit Union's data
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Texell 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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