Applications / Mortgage Analytics / Lenders / Texas / Beacon Federal Credit Union
La Porte, TX · Credit union · NCUA · $202 million assets · 30 loans in 2025
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30
loans originated, 2025
40
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Beacon Federal Credit Union is a small Texas refinance lender whose output has drifted down, from 55 loans in 2020 to 30 in 2025.
Refinances made up 93.3% of its 2025 loans and home purchases only 6.7%. Every loan was conventional, with no government backing, and none was jumbo (larger than the conforming limit). That makes it mainly a lender to members who already own their homes.
It made 30 loans in 2025, down 17% from 36 a year earlier, while similar lenders (credit unions making between half and twice as many loans) slipped 2% and the whole market grew 10%. Its count has edged down most years since 2020. With so few loans, a handful either way moves the figure a lot.
Its typical loan was $95,000, the same as similar lenders'. No interest rate is shown for it, so its pricing cannot be set against theirs.
All its lending is in Texas, across nine counties, and it has lent in the Houston area since 1990. Of 929 lenders there, it ranked 521. Its share of the Houston market rounds to zero. On so few loans its neighborhood shares are too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Beacon Federal Credit Union took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 93.3% · Purchase 6.7%
Conventional 100.0% · of 30 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 | 30 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 26 |
| Dallas-Plano-Irving | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930031G7ALOZB0HI92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 164788 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56062 | 1990–2017 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Beacon Federal Credit Union's data.
Beacon Federal Credit Union's data
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Beacon 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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