Applications / Mortgage Analytics / Lenders / Texas / Members First Credit Union
Corpus Christi, TX · Credit union · NCUA · $187 million assets · 31 loans in 2025
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31
loans originated, 2025
92
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members First Credit Union, a small Corpus Christi credit union, lends mainly to members refinancing their homes, in three Texas metros.
Refinances made up 64.5% of its 31 loans in 2025, home purchases the rest. All were conventional, with no government backing. Similar lenders (credit unions making between half and twice as many loans) typically made 36 loans, so it sits near the lower middle of the group.
It filed no HMDA report for 2021 or 2022; those are gaps in the record, not years without lending. Before them it made 49 loans in 2018, 48 in 2019 and 17 in 2020. Since it resumed reporting it has made between 26 and 41 a year. Its loans rose 19% in 2025, while similar lenders' fell 2%.
Corpus Christi is its main market, where it has lent since 2007. It ranks 99 of 389 lenders there, and its share rose from 0.1% to 0.2%. DHI Mortgage Company leads, ahead of United Wholesale Mortgage and Rally Credit Union. It also lends around Brownsville-Harlingen and San Antonio, but only a little.
Of its loans, 80.7% were in majority-minority neighborhoods, against 10.0% at similar lenders. On 31 loans, a few loans either way move such shares by several points, so the comparison is rough.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Members First Credit Union took 92 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.5% · Purchase 35.5%
Conventional 100.0% · of 31 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 | 31 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Corpus Christi | 21 |
| Brownsville-Harlingen | 7 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TJ1PI0CYX4D722 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 914992 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567658 | 2007–2017 |
Established 1 January 1938. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Members First Credit Union's data.
Members First Credit Union's data
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Members First 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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