PlainLender

FIVEPOINT CREDIT UNION

NEDERLAND, TX

FIVEPOINT CREDIT UNION processed 413 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 263 loans with a 21.3% denial rate. Refinancing was the primary loan purpose. Based in NEDERLAND, TX. The approval rate of 63.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. FIVEPOINT CREDIT UNION processed 413 HMDA-reported mortgage applications in 2024, originating 263 loans and denying 88 for a denial rate of 21.3% (applicants themselves withdrew 9 files before a decision). The average loan amount was $154,709. The lender reports under LEI 549300HO5ZZCX2Z8V467 from NEDERLAND, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. FIVEPOINT CREDIT UNION's 63.7% origination rate tells you how often an application turned into funded money; the 21.3% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (413 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

413
Applications
263
Originated
21.3%
Denial Rate
$154,709
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 413 263 88 $154,709

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for FIVEPOINT CREDIT UNION (LEI: 549300HO5ZZCX2Z8V467) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Refinancing 163 107 $151,380
Home Purchase 118 87 $247,034
Home Improvement 82 39 $60,976
Other 50 30 $101,400

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 174 66.7% 17.2%
Black or African American 37 46.0% 40.5%
Asian 10 40.0% 40.0%
Joint 7 42.9% 42.9%
American Indian or Alaska Native 2 50.0% 0.0%
2 or more minority races 1 0.0% 100.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 155 65.2% 20.6%
Hispanic or Latino 54 53.7% 24.1%
Joint 8 87.5% 12.5%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare FIVEPOINT CREDIT UNION vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did FIVEPOINT CREDIT UNION process?
FIVEPOINT CREDIT UNION processed 413 mortgage applications in the 2023 HMDA reporting year. Of these, 263 were originated (approved and funded), 9 were withdrawn by the applicant, and 88 were denied.
What is FIVEPOINT CREDIT UNION's mortgage approval rate?
FIVEPOINT CREDIT UNION has an approval (origination) rate of 63.7%, meaning 63.7% of all applications resulted in a funded mortgage. The denial rate is 21.3%.
What is the average loan amount at FIVEPOINT CREDIT UNION?
The average mortgage loan amount at FIVEPOINT CREDIT UNION is $154,709.
What types of mortgage loans does FIVEPOINT CREDIT UNION offer?
FIVEPOINT CREDIT UNION processes Conventional loans. The most common type is Conventional with 413 applications and an average loan amount of $154,709.
What loan purposes does FIVEPOINT CREDIT UNION serve?
FIVEPOINT CREDIT UNION serves the following loan purposes: Refinancing (163 applications), Home Purchase (118 applications), Home Improvement (82 applications), Other (50 applications). Refinancing is the most common purpose.
Where is FIVEPOINT CREDIT UNION located?
FIVEPOINT CREDIT UNION is headquartered in NEDERLAND, TX. The lender is identified by LEI 549300HO5ZZCX2Z8V467 in HMDA data.
How does FIVEPOINT CREDIT UNION compare in lending across racial demographics?
FIVEPOINT CREDIT UNION reports demographic lending data under HMDA requirements. White applicants have an approval rate of 66.7% and denial rate of 17.2%; Black or African American applicants have an approval rate of 46.0% and denial rate of 40.5%; Asian applicants have an approval rate of 40.0% and denial rate of 40.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.