Applications / Mortgage Analytics / Lenders / Texas / Neighborhood Credit Union
Dallas, TX · Credit union · NCUA · $1.1 billion assets · 168 loans in 2025
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168
loans originated, 2025
456
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Neighborhood Credit Union, a Dallas credit union, lends almost entirely for home improvement and other purposes rather than home purchase, and its loans more than quadrupled in 2025.
Some 67.9% of its loans were for other purposes and 26.8% for home improvement; it made no purchase loans. Its typical loan was $85,000, against $105,000 for similar lenders, credit unions making between half and twice as many loans. Its typical rate, 6.49%, was lower than their 6.75%, and none of its loans was higher-priced.
It made 168 loans, up from 37 in 2024, a rise of 354%, against 7% for similar lenders. It merged with RelyOn Credit Union in 2024, which may account for some of the rise. It is still below the 494 loans of 2020. It filed no report for 2022, a gap in the record rather than a year without lending.
Some 49.7% of its loans were in majority-minority neighborhoods, against 10.2% for similar lenders, higher than at more than four in five of them, and up from 37.8% in 2024. Its lending is all in Texas and centered on Dallas, where it ranks 327th of 1,026 lenders, which may explain much of that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Neighborhood Credit Union took 456 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 67.9% · Home improvement 26.8% · Refinance 5.4%
Conventional 100.0% · of 168 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 | 167 | 99.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 127 |
| Fort Worth-Arlington-Grapevine | 25 |
| Sherman-Denison | 6 |
| Houston-Pasadena-The Woodlands | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I0JGZE27J13Z50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 688396 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567681 | 1992–2017 |
Established 1 January 1930. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Neighborhood Credit Union's data.
Neighborhood Credit Union's data
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