Applications / Mortgage Analytics / Lenders / Texas / Gulf Credit Union
Port Arthur, TX · Credit union · NCUA · $340 million assets · 81 loans in 2025
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81
loans originated, 2025
98
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gulf Credit Union made 62% more loans in 2025, growing faster than nearly nine in ten similar credit unions and gaining share in Beaumont-Port Arthur.
It made 81 loans, up from 50, while similar lenders, credit unions making between half and twice as many loans, grew 6% and the whole market 10%. Refinances were 80.2% of its loans and purchases 19.8%. It filed no report for 2021, so that year is a gap in the record, not a year without lending.
Its share of Beaumont-Port Arthur lending rose from 0.5% to 0.7%, and it ranks 31 of 289 lenders there. It has lent in the area since at least 1990. United Wholesale Mortgage leads the market, with Neches Federal Credit Union second.
Its typical loan was $155,000, up from $100,000 and well above the $95,000 at similar credit unions. Only 10.0% of its loans went to low- and moderate-income borrowers, against 30.6% for peers, among the lowest twentieth. Larger refinances may simply come from better-off members, and the jump in loan size may reflect who chose to refinance this year. Some 37.0% of its loans went to majority-minority neighborhoods, against 9.2% for peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Gulf Credit Union took 98 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 80.2% · Purchase 19.8%
Conventional 100.0% · of 81 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 | 81 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beaumont-Port Arthur | 57 |
| Houston-Pasadena-The Woodlands | 20 |
| Austin-Round Rock-San Marcos | 1 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JPKIA8GCDBEI29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 565899 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560205 | 1990–2017 |
Established 1 January 1941. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Gulf Credit Union's data.
Gulf Credit Union's data
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Gulf 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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