Applications / Mortgage Analytics / Lenders / Texas / MCT Credit Union
Port Neches, TX · Credit union · STATE · $395 million assets · 131 loans in 2025
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131
loans originated, 2025
168
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MCT Credit Union, which lends mainly in Beaumont-Port Arthur, held its lending steady in 2025 while making bigger loans at lower rates than its peers.
It made 131 loans, as in 2024, while similar lenders, credit unions making between half and twice as many loans, grew 9%. Its dollar total still rose, to $22.6 million from $17.5 million, as its typical loan grew to $115,000 from $95,000.
None of its loans was higher-priced (a rate well above the average for similar loans), against 2.7% at peers. Its typical rate, 6.25%, was lower than peers' 6.75%. Every loan was conventional. Home improvement took 28.2% of its loans, with purchases and refinances splitting the rest almost evenly.
Low- and moderate-income (LMI) borrowers took 17.2% of its loans, against 29.0% at similar lenders; nearly nine in ten peers had a higher share. LMI neighborhoods took 10.1%, against 17.3%. The incomes in the areas it serves and its larger typical loan are possible reasons.
In Beaumont-Port Arthur, TX, where it has lent since 1992, it ranked 22 of 289 lenders with 1.3% of the market. United Wholesale Mortgage and Neches Federal Credit Union lead there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MCT Credit Union took 168 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.4% · Refinance 34.4% · Home improvement 28.2% · Other 3.1%
Conventional 100.0% · of 131 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 | 131 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beaumont-Port Arthur | 113 |
| Houston-Pasadena-The Woodlands | 7 |
| Austin-Round Rock-San Marcos | 2 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GV8F4RLYWAB272 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 521699 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567646 | 1992–2010 |
| Respondent ID (the HMDA filer code before 2018) | 597089 | 2011–2017 |
Established 1 January 1953. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: MCT Credit Union's data.
MCT Credit Union's data
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MCT 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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