Applications / Mortgage Analytics / Lenders / Texas / Chocolate Bayou Community Federal Credit Union
Alvin, TX · Credit union · NCUA · $156 million assets · 24 loans in 2025
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24
loans originated, 2025
71
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chocolate Bayou Community Federal Credit Union, a credit union in Alvin, Texas that has reported since 1990, lends only around Houston and made 24 mortgages in 2025, down from 76 in 2022.
Refinances made up 66.7% of its loans in 2025, purchases 16.7% and home improvement 12.5%. Every loan was conventional, as at similar lenders (credit unions making between half and twice as many loans). Its typical loan was $80,000, against $97,500 at similar lenders. With 24 loans, these shares rest on few cases.
It made 24 loans in 2025, down 17% from 29 in 2024, while similar lenders fell 5% and the whole market grew 10%. Its volume peaked at 76 in 2022 and has fallen each year since. The figures do not say why.
It lends in one metro, Houston-Pasadena-The Woodlands, across three counties, and has done so since 1990. It ranked 552 of 929 lenders there. United Wholesale Mortgage and Rocket Mortgage lead the market. A lender of this size holds a sliver of a market this large, so its rank says more about its scale than its standing.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Chocolate Bayou Community Federal Credit Union took 71 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.7% · Purchase 16.7% · Home improvement 12.5% · Other 4.2%
Conventional 100.0% · of 24 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 | 24 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 24 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VEIFZEX6HJVA94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 262684 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515143 | 1990–2017 |
Established 1 January 1962. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Chocolate Bayou Community Federal Credit Union's data.
Chocolate Bayou Community Federal Credit Union's data
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Chocolate Bayou Community 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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