Applications / Mortgage Analytics / Lenders / Texas / Texoma Community Credit Union
Wichita Falls, TX · Credit union · NCUA · $308 million assets · 235 loans in 2025
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235
loans originated, 2025
243
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texoma Community Credit Union is a refinance lender that gained ground in its home market of Wichita Falls in 2025 as its loans rose by nearly half.
Refinancing made up 80.4% of its loans and purchases 17.4%. Every loan was conventional, with no government-backed lending. Its typical loan was $75,000, against $105,000 at similar lenders, meaning credit unions making between half and twice as many loans; that is smaller than at more than four in five of them.
It made 235 loans, up 45% from 162, while similar lenders typically grew 6% and the whole market 10%. It has more than doubled its count since 2018, when it made 110. Its dollar lending rose with the count, from $15.6 million to $24.8 million.
It has lent in Wichita Falls since 1990, the first year of the public data. Its share there rose from 3.2% to 4.0% in 2025, placing it 7 of 209 lenders. American National Bank & Trust and Flat Branch Mortgage led the market.
Some 24.3% of its loans were in low- and moderate-income neighborhoods, against 16.3% at peers, higher than at more than four in five. Its share to lower-income borrowers, 27.2%, was near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texoma Community Credit Union took 243 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 80.4% · Purchase 17.4% · Other 2.1%
Conventional 100.0% · of 235 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 | 232 | 98.7% |
| Oklahoma | 3 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita Falls | 213 |
| Dallas-Plano-Irving | 2 |
| Oklahoma City | 2 |
| Corpus Christi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XTGDMRB8FMR522 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 908290 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561527 | 1990–2016 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Texoma Community Credit Union's data.
Texoma Community Credit Union's data
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Texoma Community 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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