Second in its home market
It held 5.2% of lending in Beaumont-Port Arthur, ranking 2 of 289 lenders. It has lent there since at least 1990. Its share slipped from 5.4%; faster growth by other lenders there may explain that.
Applications / Mortgage Analytics / Lenders / Texas / Neches Federal Credit Union
Neches Federal Credit Union
Port Neches, TX · Credit union · NCUA · $1.1 billion assets · 501 loans in 2025
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501
loans originated, 2025
588
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Neches Federal Credit Union is the second-biggest mortgage lender in Beaumont-Port Arthur, behind only United Wholesale Mortgage.
Steady volume
It made 501 loans, up 7%, close to the 6% at similar lenders, credit unions making between half and twice as many loans. It has made between 468 and 501 loans a year since 2021, up from 331 in 2018.
Refinancing at lower rates
Refinances made up 51.9% of its loans and other purposes 26.3%. Its typical rate, 6.25%, was lower than at more than four in five similar lenders, whose typical rate was 7.00%. It turned down 11.3% of refinance applications, against 20.0% at its peers.
Minority neighborhoods, fewer poorer borrowers
Majority-minority neighborhoods took 20.2% of its loans, against 10.8% at similar lenders. Borrowers with low and moderate incomes (LMI) took 18.4%, against 27.5%, lower than more than four in five of its peers. Incomes in the areas it serves, or its larger typical loan, $125,000 against $105,000, may explain 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
501 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Neches Federal Credit Union took 588 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
51.9% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 51.9% · Other 26.3% · Purchase 21.8%
Conventional 100.0% · of 501 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
1 state, 2 metros, 16 counties
| State | Loans | Share |
|---|---|---|
| Texas | 501 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Beaumont-Port Arthur | 448 |
| Houston-Pasadena-The Woodlands | 22 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J6A8R0TUC01239 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 542180 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57916 | 1993–2017 |
Established 1 January 1952. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Neches Federal Credit Union's data.
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