Applications / Mortgage Analytics / Lenders / Texas / Education First Federal Credit Union
Beaumont, TX · Credit union · NCUA · $590 million assets · 58 loans in 2025
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58
loans originated, 2025
237
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Education First Federal Credit Union, a Beaumont, Texas refinance lender, made 58 loans in 2025, its fewest since at least 2018.
Its loans fell 36%, from 91, while similar lenders (credit unions making between half and twice as many loans) typically grew 7%. Its fall was steeper than at about nineteen in twenty of them. It made 171 loans in 2022 and fewer in each year since. Its lending, $8.8 million, was still near the $8.2 million of similar lenders.
It has lent in Beaumont-Port Arthur, TX since 1994. Its share there fell from 1.2% to 0.4%, and it ranked 46 of 289 lenders; United Wholesale Mortgage and Neches Federal Credit Union lead. Its own smaller total of loans may explain the fall.
Of its loans, 36.2% were in majority-minority areas, against 9.5% at similar lenders, more than about four in five of them. Its share in low- and moderate-income (LMI) areas, 17.2%, was near peers' 17.4%.
Only 7.1% of its loans went to LMI borrowers, against 30.9% at similar lenders, among the lowest of them; the share was 18.9% in 2024. Who borrows from it may explain that: its typical loan, $115,000, was larger than at about three in five peers. With under 100 loans, the share can also swing from year to year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Education First Federal Credit Union took 237 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.3% · Purchase 36.2% · Other 3.4%
Conventional 100.0% · of 58 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 | 58 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beaumont-Port Arthur | 40 |
| Houston-Pasadena-The Woodlands | 3 |
| Fort Worth-Arlington-Grapevine | 1 |
| Longview | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L8D4DNZNL31O66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 530299 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524470 | 1994–2017 |
Established 1 January 1952. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Education First Federal Credit Union's data.
Education First Federal Credit Union's data
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Education First 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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