Applications / Mortgage Analytics / Lenders / Texas / Dugood Federal Credit Union
Beaumont, TX · Credit union · NCUA · $595 million assets · 264 loans in 2025
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264
loans originated, 2025
396
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dugood Federal Credit Union is a refinance lender that is gaining ground at home: its loans rose 19% in 2025 and it now ranks 8 of 289 lenders in Beaumont-Port Arthur.
Its loans rose 19%, to 264. The typical similar lender (a credit union making between half and twice as many loans) grew 6%, and the whole market 10%. Dollar volume rose faster still, from $31.9 million to $50.4 million, because its typical loan grew from $105,000 to $145,000. It is still below the 385 loans it made in 2020.
Beaumont-Port Arthur, TX is where it has lent since at least 1990. Its share there rose from 2.4% to 2.9%. United Wholesale Mortgage, Neches Federal Credit Union and Rocket Mortgage lead the market. In Houston and its other markets its share rounds to 0.0%.
Half its loans, 50.0%, were refinances. Purchases made up 27.3% and home improvement 14.4%. Every loan was conventional, with no government backing, and none was for a manufactured home. Its business is mostly with existing homeowners rather than buyers.
A third of its loans, 32.7%, went to majority-minority neighborhoods, against 12.9% at the typical similar lender. That is higher than about three in four of them. The make-up of Beaumont-Port Arthur, its largest market, may account for much of the gap. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts), 18.0%, sits a little above 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dugood Federal Credit Union took 396 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.0% · Purchase 27.3% · Home improvement 14.4% · Other 8.3%
Conventional 100.0% · of 264 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 | 263 | 99.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beaumont-Port Arthur | 191 |
| Houston-Pasadena-The Woodlands | 37 |
| Austin-Round Rock-San Marcos | 1 |
| Dallas-Plano-Irving | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Midland | 1 |
| Tyler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TVVKZJG3FJDS34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 260587 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515146 | 1990–2017 |
Established 1 January 1962. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Dugood Federal Credit Union's data.
Dugood Federal Credit Union's data
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Dugood 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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