Applications / Mortgage Analytics / Lenders / Texas / Union Square Credit Union
Wichita Falls, TX · Credit union · NCUA · $598 million assets · 223 loans in 2025
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223
loans originated, 2025
312
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union Square Credit Union makes government-backed and larger loans that most credit unions of its size do not, but its lending shrank by a quarter in 2025.
Loans insured by the Federal Housing Administration (FHA) made up 16.1% of its lending in 2025, and loans guaranteed by the Department of Veterans Affairs (VA) 5.4%. The typical similar lender, a credit union making between half and twice as many loans, made none of either. Its typical loan was $195,000, against $105,000, larger than at nearly nine in ten peers.
It made 223 loans, 25% fewer than in 2024, while similar lenders grew 7% and the market 10%. Few peers shrank as much. Dollars fell less, to $54.3 million from $57.6 million, because the typical loan rose from $165,000. Lending has fallen each year since 2020, when it made 675 loans. It may have chosen fewer, larger loans, or found less demand in its home market.
Wichita Falls is its biggest market, where it has lent since 1990. It ranks 3 of 209 lenders, behind American National Bank & Trust and Flat Branch Mortgage. Its share fell to 7.8% from 10.5%, which may simply reflect the drop in its own lending.
Purchases made up 58.3% of its loans and refinancings 32.3%. It turned down 8.3% of decided applications to buy a home, close to the 8.0% of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Union Square Credit Union took 312 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.3% · Refinance 32.3% · Home improvement 6.3% · Other 3.1%
Conventional 78.5% · FHA 16.1% · VA 5.4% · of 223 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 | 214 | 96.0% |
| Oklahoma | 5 | 2.2% |
| Ohio | 2 | 0.9% |
| South Carolina | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita Falls | 194 |
| Fort Worth-Arlington-Grapevine | 7 |
| Dallas-Plano-Irving | 4 |
| Amarillo | 2 |
| Columbus | 2 |
| Lawton | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Clarksville | 1 |
| Lubbock | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z2FPZZD55OG155 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 667382 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511633 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 568664 | 2016–2017 |
Established 1 January 1957. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Union Square Credit Union's data.
Union Square Credit Union's data
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Union Square 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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