Applications / Mortgage Analytics / Lenders / Texas / Wichita Falls Teachers Federal Credit Union
Wichita Falls, TX · Credit union · NCUA · $112 million assets · 32 loans in 2025
Wichita Falls Teachers Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
32
loans originated, 2025
32
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wichita Falls Teachers Federal Credit Union lends to members fixing their homes rather than buying them: home improvement made up 46.9% of its 32 loans in 2025.
Home-improvement and other-purpose loans made up nearly four-fifths of its lending; refinances made up the rest. Such loans are small. Its typical loan was $65,000, against $95,000 at similar lenders, meaning credit unions making between half and twice as many loans. That is lower than about four in five of them. Every loan was conventional, as at its peers.
Its loans fell 41% in 2025, from 54 to 32, while similar lenders held steady and the whole market grew 10%. Its share of the Wichita Falls market slipped from 0.9% to 0.4%. At this size a handful of members' projects can swing the count, so one year says little about a trend. It filed no HMDA report for 2021 or 2022; those are gaps in the record, not years without lending.
It first reported in 1994 and lends in five counties of a single metro. In Wichita Falls it ranks 39 of 209 lenders; American National Bank & Trust leads. With so few loans, its figures for lower-income borrowers and neighborhoods are too small to compare with its peers'.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Wichita Falls Teachers Federal Credit Union took 32 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.9% · Other 31.3% · Refinance 21.9%
Conventional 100.0% · of 32 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 | 32 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita Falls | 30 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DCAVODU8W5UW13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 32775 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52112 | 1994–2017 |
Established 1 January 1937. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Wichita Falls Teachers Federal Credit Union's data.
Wichita Falls Teachers Federal Credit Union's data
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Wichita Falls Teachers Federal 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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