Applications / Mortgage Analytics / Lenders / Texas / Fivepoint Credit Union
Nederland, TX · Credit union · NCUA · $1.1 billion assets · 348 loans in 2025
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348
loans originated, 2025
478
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fivepoint Credit Union made 32% more loans in 2025 and gained share in Beaumont-Port Arthur, TX, where it ranks fifth among 289 lenders.
Its loans rose from 263 to 348. Similar lenders (credit unions making between half and twice as many loans) grew 7%, and its rise was faster than at about four in five of them. It had slid from 372 loans in 2020, so 2025 took it back near its earlier level rather than to a new high.
In Beaumont-Port Arthur, TX, where it has lent since at least 1990, its share rose from 3.0% to 4.0%. Neches Federal Credit Union, another credit union, ranks above it. Elsewhere, including Houston-Pasadena-The Woodlands, TX, its share is very small.
Refinancing made up 39.4% of its loans, purchases 31.0% and home improvement 21.0%, all conventional. Its typical loan, $125,000, was larger than at similar lenders, where it was $105,000.
Majority-minority neighborhoods took 27.3% of its loans, against 12.1% at similar lenders. Low- and moderate-income (LMI) borrowers took 18.5%, against 27.5%. Its larger typical loan, and its refinancing and home-improvement loans to people who already own homes, may account for some 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fivepoint Credit Union took 478 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 39.4% · Purchase 31.0% · Home improvement 21.0% · Other 8.6%
Conventional 100.0% · of 348 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 | 347 | 99.7% |
| Mississippi | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beaumont-Port Arthur | 262 |
| Houston-Pasadena-The Woodlands | 56 |
| Austin-Round Rock-San Marcos | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HO5ZZCX2Z8V467 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 176875 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5456 | 1990–2013 |
| Respondent ID (the HMDA filer code before 2018) | 568643 | 2014–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fivepoint Credit Union's data.
Fivepoint Credit Union's data
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