Applications / Mortgage Analytics / Lenders / Texas / Houston Police Federal Credit Union
Houston, TX · Credit union · NCUA · $989 million assets · 148 loans in 2025
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148
loans originated, 2025
223
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Houston Police Federal Credit Union lends mostly to fix up homes rather than to buy them: home improvement accounted for 58.1% of its loans in 2025.
After home improvement, other purposes took 33.1% of its loans. Purchases were just 6.8% and refinances 1.4%. Every loan was conventional. Its typical loan rose from $85,000 to $120,000, more than the $105,000 at similar lenders (credit unions making between half and twice as many loans).
Its loans rose 10% to 148, in step with the 9% at similar lenders and the 10% for the whole market. In Houston-Pasadena-The Woodlands, TX, its largest market, it ranks 279 of 929 lenders. United Wholesale Mortgage leads there. It has lent there since 2008, and all its lending is in Texas.
Majority-minority areas took 54.7% of its loans, more than at nearly nine in ten similar lenders. That may reflect the parts of Houston it serves. Borrowers with low and moderate incomes (LMI) took 12.2%, which puts it among the lowest tenth of its peers. Lending to people who already own their homes, for improvements, or the incomes of its members, may explain the gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Houston Police Federal Credit Union took 223 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 58.1% · Other 33.1% · Purchase 6.8% · Refinance 1.4% · Not applicable 0.7%
Conventional 100.0% · of 148 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 | 148 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 136 |
| College Station-Bryan | 2 |
| San Antonio-New Braunfels | 2 |
| Abilene | 1 |
| Corpus Christi | 1 |
| Victoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WX4YO71NFO5362 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 60170 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52357 | 2007–2017 |
Established 1 January 1937. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Houston Police Federal Credit Union's data.
Houston Police Federal Credit Union's data
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Houston Police 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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