Applications / Mortgage Analytics / Lenders / Texas / BP Federal Credit Union
Houston, TX · Credit union · NCUA · $122 million assets · 30 loans in 2025
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30
loans originated, 2025
30
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BP Federal Credit Union, a Houston credit union that has filed since 2004, made 30 home loans in 2025, about a third of its 2021 total.
Its loans fell 27% in 2025, from 41, while similar lenders (credit unions making between half and twice as many loans) fell 2% and the whole market rose 10%. The decline is a long one: 85 loans in 2021, 49 in 2022 and 46 in 2023. It filed no report for 2020, a gap in the record rather than a year without lending. The figures give no reason for the fall.
Its typical loan was $230,000, against $95,000 at similar lenders and $95,000 for itself a year earlier. So its dollar volume held at $7.5 million on fewer loans. On 30 loans a handful of large ones can move the typical size, so it says little about a settled change.
All its loans were conventional, split between refinances (53.3%) and purchases (46.7%). Houston is its largest market, where it ranked 440 of 929 lenders behind leaders such as United Wholesale Mortgage and Rocket Mortgage. It lent in 5 states and 7 metros.
Almost half its loans, 46.7%, were in majority-minority neighborhoods, against 10.2% at similar lenders, which may reflect the make-up of Houston, its largest market. On 30 loans, that share and its other 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. BP Federal Credit Union took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.3% · Purchase 46.7%
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 | 26 | 86.7% |
| Illinois | 1 | 3.3% |
| Missouri | 1 | 3.3% |
| South Carolina | 1 | 3.3% |
| Wisconsin | 1 | 3.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 20 |
| College Station-Bryan | 3 |
| Austin-Round Rock-San Marcos | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Columbia | 1 |
| Longview | 1 |
| Spartanburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930076PACNHY6U9F09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 840998 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524445 | 2004–2017 |
Established 1 January 1937. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: BP Federal Credit Union's data.
BP Federal Credit Union's data
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BP 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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