Applications / Mortgage Analytics / Lenders / Texas / Abilene Teachers Federal Credit Union
Abilene, TX · Credit union · NCUA · $665 million assets · 135 loans in 2025
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135
loans originated, 2025
217
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Abilene Teachers Federal Credit Union does not finance home purchases at all; it makes small refinance, home-improvement and other loans, and it made fewer of them in 2025.
Refinances made up 44.4% of its loans, other purposes 33.3% and home improvement 22.2%. It made no home-purchase loans, and all its loans were conventional. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), lower than at nearly nine in ten of them.
It made 135 loans, down 20% from 168, while similar lenders grew 9% and the whole market 10%. Since 2018 it has made between 135 and 209 loans a year, so the fall may be an ordinary swing for a lender of its size.
It has lent in Abilene, TX, since at least 1990. Its share there fell from 1.8% to 0.9%, ranking it 27 of 251 lenders; First Financial Bank leads. Its smaller volume is one possible reason. With no purchase loans it sits out the home-buying side of the market, so its share may rise and fall with demand for refinancing.
Some 18.5% of its loans went to majority-minority areas, against 9.7% at similar lenders, higher than at about two-thirds of them. Low- and moderate-income (LMI) borrowers took 32.1%, near the middle of its peers, whose typical share was 29.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Abilene Teachers Federal Credit Union took 217 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 44.4% · Other 33.3% · Home improvement 22.2%
Conventional 100.0% · of 135 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 | 135 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Abilene | 111 |
| Fort Worth-Arlington-Grapevine | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Killeen-Temple | 1 |
| Lubbock | 1 |
| San Angelo | 1 |
| Victoria | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300A8TEVE8WYT0T29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 877284 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56743 | 1990–2017 |
Established 1 January 1950. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Abilene Teachers Federal Credit Union's data.
Abilene Teachers Federal Credit Union's data
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Abilene Teachers 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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