Applications / Mortgage Analytics / Lenders / Colorado / Air Academy Federal Credit Union
Colorado Springs, CO · Credit union · NCUA · $813 million assets · 368 loans in 2025
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368
loans originated, 2025
495
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Air Academy Federal Credit Union, based in Colorado Springs, makes bigger loans at lower rates than most similar credit unions and lends in 17 states.
Its typical loan was $155,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at about three-quarters of them. With about as many loans as the typical peer, 368 against 366, it lent $87.2 million against $62.6 million.
Its typical rate was 5.99%, against 6.99% at similar lenders, lower than at nearly nine in ten of them. Only 0.5% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9%.
In Colorado Springs it ranks 40 of 487, and its share rose to 0.5% from 0.4%. United Wholesale Mortgage and Ent Credit Union lead there. In 2025 it entered Homosassa Springs, FL and Grand Island, NE.
Low- and moderate-income (LMI) neighborhoods took 8.4% of its loans, against 15.6% at similar lenders, among the lowest tenth. Yet LMI borrowers took 30.0%, near the middle. The gap may reflect where its members live and its spread across 46 counties, rather than its borrowers' 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Air Academy Federal Credit Union took 495 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 42.7% · Refinance 35.9% · Purchase 21.5%
Conventional 97.3% · VA 2.7% · of 368 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 |
|---|---|---|
| Colorado | 343 | 93.2% |
| Nebraska | 3 | 0.8% |
| Ohio | 3 | 0.8% |
| Texas | 3 | 0.8% |
| Arizona | 2 | 0.5% |
| Kansas | 2 | 0.5% |
| Washington | 2 | 0.5% |
| Arkansas | 1 | 0.3% |
| California | 1 | 0.3% |
| Florida | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Colorado Springs | 200 |
| Denver-Aurora-Centennial | 104 |
| Greeley | 10 |
| Fort Collins-Loveland | 5 |
| Pueblo | 4 |
| Kansas City | 3 |
| Dayton-Kettering-Beavercreek | 2 |
| Fort Worth-Arlington-Grapevine | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Albuquerque | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ELXS6PBT8OEE44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 767581 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510600 | 1990–2017 |
Established 1 January 1955. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Air Academy Federal Credit Union's data.
Air Academy Federal Credit Union's data
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Air Academy 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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