Applications / Mortgage Analytics / Lenders / Texas / Houston TX Fire Fighters Federal Credit Union
Houston, TX · Credit union · NCUA · $395 million assets · 59 loans in 2025
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59
loans originated, 2025
131
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Houston TX Fire Fighters Federal Credit Union is a small refinance lender: three in four of its 59 loans in 2025 replaced an existing mortgage.
Refinances made up 76.3% of its loans, home improvement 16.9% and purchases only 6.8%. Its typical loan, $105,000, was close to the $95,000 at similar lenders (credit unions making between half and twice as many loans). Most of its borrowers already own their homes.
It made 59 loans, 5% fewer than in 2024, while similar lenders grew 7%. Its count has held between 59 and 67 since 2023, above the 38 to 45 of 2018 to 2020. It filed no report for 2021 or 2022; those are gaps in the record, not years without lending.
Two in five of its loans, 40.7%, went to majority-minority neighborhoods, against 9.6% at similar lenders. But only 13.6% went to low- and moderate-income borrowers, against 30.6%, lower than about nine in ten similar lenders. One possibility is its refinance focus: refinancing serves existing owners, who may earn more than first-time buyers.
Houston is its largest market, where it has lent since 1999. It ranked 407 of 929 lenders there, in a market led by United Wholesale Mortgage and Rocket Mortgage. Its lending also reaches non-metro Texas and College Station.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Houston TX Fire Fighters Federal Credit Union took 131 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 76.3% · Home improvement 16.9% · Purchase 6.8%
Conventional 100.0% · of 59 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 | 59 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 54 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ODE6V13YFWTW21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 27678 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5258 | 1999–2017 |
Established 1 January 1935. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Houston TX Fire Fighters Federal Credit Union's data.
Houston TX Fire Fighters Federal Credit Union's data
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Houston TX Fire Fighters 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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