Applications / Mortgage Analytics / Lenders / Texas / FirstLight Federal Credit Union
El Paso, TX · Credit union · NCUA · $1.6 billion assets · 261 loans in 2025
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261
loans originated, 2025
1,171
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FirstLight Federal Credit Union, an El Paso lender, mostly refinances and lends almost entirely in majority-minority areas.
Refinances made up 67.8% of its loans and purchases the rest. Its typical loan was $125,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). Loans insured by the Federal Housing Administration (FHA) were 3.8% and those guaranteed by the Department of Veterans Affairs (VA) 3.1%, where the typical peer made none.
Majority-minority areas took 95.8% of its loans, against 12.4% at peers, the highest share among similar lenders. That may reflect where it lends. Low- and moderate-income (LMI) borrowers took 24.2%, against 27.7% at peers, up from 14.0% five years before.
In El Paso it ranks 30 of 332 lenders, with an unchanged 0.8% share; United Wholesale Mortgage leads. In Las Cruces its share fell from 1.3% to 1.1%, for a rank of 21 of 231. It has lent in both since 1991. Shares are measured in dollars, so a few large loans by others could account for the small fall.
It made 261 loans, against 265 in 2024, while similar lenders grew 7%. None of its loans were higher-priced (a rate well above the average for similar loans), against 1.9% at peers. Its typical rate was 6.62%, against 6.88%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FirstLight Federal Credit Union took 1,171 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 67.8% · Purchase 32.2%
Conventional 93.1% · FHA 3.8% · VA 3.1% · of 261 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 | 179 | 68.6% |
| New Mexico | 82 | 31.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| El Paso | 176 |
| Las Cruces | 76 |
| Fort Worth-Arlington-Grapevine | 2 |
| Albuquerque | 1 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SGEJUQK4Q7ZY34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 166081 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510174 | 1991–2017 |
Established 1 January 1955. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: FirstLight Federal Credit Union's data.
FirstLight Federal Credit Union's data
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FirstLight 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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