Applications / Mortgage Analytics / Lenders / Texas / Access Community Credit Union
Amarillo, TX · Credit union · NCUA · $201 million assets · 190 loans in 2025
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190
loans originated, 2025
220
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Access Community Credit Union grew 36% in 2025 and nearly doubled its share of Amarillo, a market it has served since at least 1990.
It made 190 loans, up from 140. Similar lenders, credit unions making between half and twice as many loans, typically grew 7%, and the whole market 10%; nearly four in five peers grew more slowly. Purchases were 51.6% of its loans and refinances 41.6%.
In Amarillo, TX, its share rose to 2.7% from 1.5%, making it 10 of 258 lenders. Amarillo National Bank leads the market. In Lubbock, TX and non-metro Texas, the credit union is a small presence.
Nearly a quarter of its loans, 24.7%, went to low- and moderate-income (LMI) neighborhoods, against 17.0% at peers, and 27.9% to majority-minority neighborhoods, against 11.0%. Five years before, those shares were just 5.7% and 7.6%.
Only 18.6% of its loans went to LMI borrowers, against 28.0% at peers and down from 26.4% in 2024. More than four in five peers had a higher share. Loan size may be one reason: its typical loan was $155,000, against $105,000 at peers, and larger loans tend to suit borrowers with higher incomes.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Access Community Credit Union took 220 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.6% · Refinance 41.6% · Home improvement 5.8% · Other 1.1%
Conventional 98.9% · FHA 1.1% · of 190 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 | 186 | 97.9% |
| New Mexico | 3 | 1.6% |
| Kansas | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Amarillo | 162 |
| Lubbock | 4 |
| Dallas-Plano-Irving | 3 |
| Austin-Round Rock-San Marcos | 1 |
| Tyler | 1 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZLEJNF277L8Q40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 556990 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567178 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Access Community Credit Union's data.
Access Community Credit Union's data
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Access Community 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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