Fivepoint Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
30th15.5% deniedProcesswithdrawn + incomplete share, weight 15%
92nd1.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 474 | 288 | 22.8% | 24.1% | — | $41M |
| 2024 | 413 | 263 | 21.3% | 22.0% | — | $42M |
| 2025 | 478 | 348 | 15.3% | 15.5% | — | $74M |
What Fivepoint Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 53 investment properties.
Who gets approved at Fivepoint Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 49 | 24 | 30.6% |
| $50k – $100k | 152 | 104 | 22.0% |
| $100k – $150k | 118 | 90 | 12.9% |
| $150k – $250k | 79 | 64 | 3.9% |
| Over $250k | 28 | 16 | 18.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 55 | 43 | 12.7% |
| 35–44 | 104 | 67 | 22.6% |
| 45–54 | 116 | 85 | 14.7% |
| 55–64 | 90 | 65 | 15.7% |
| 65–74 | 44 | 26 | 20.0% |
Where Fivepoint Credit Union lends
2 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 477 | 347 | 15.3% | — | #267 |
Frequently asked questions
Fivepoint Credit Union denied 15.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of small mortgage lenders.
In 2025, 27% of its applications were for home purchases, 38% for refinancing (including cash-out), and 35% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.