Applications / Mortgage Analytics / Lenders / New Mexico / First Financial Credit Union
Albuquerque, NM · Credit union · NCUA · $1.1 billion assets · 136 loans in 2025
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136
loans originated, 2025
201
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Financial Credit Union more than doubled its lending in 2025, to 136 loans, the year it merged with Southwest Federal Credit Union.
It made 136 loans, up 131% from 59, while similar lenders (credit unions making between half and twice as many loans) grew 9%. Its growth was higher than at almost all of them. The merger is one possible reason, through the members it brought; Southwest Federal Credit Union's own filings count in the market figures, not in these 136 loans. Its 2024 total was its lowest since 2018.
Refinances were 49.3% of its loans, purchases 27.2% and other purposes 17.6%. Its typical loan, $125,000, was larger than peers' $105,000. It filed no report for 2021, a gap in the record, not a year without lending.
Majority-minority areas took 77.9% of its loans, against 9.8% at similar lenders, more than at almost all of them. All its lending is in New Mexico, in 13 counties, which may reflect the make-up of the places it serves. Its shares to low- and moderate-income borrowers and areas, 27.9% and 16.8%, sat near the middle of its peers.
In Albuquerque it ranks 62 of 364 lenders, with 0.3% of the market, up from 0.1%. United Wholesale Mortgage leads there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Financial Credit Union took 201 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 49.3% · Purchase 27.2% · Other 17.6% · Home improvement 5.9%
Conventional 100.0% · of 136 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 |
|---|---|---|
| New Mexico | 136 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albuquerque | 97 |
| Las Cruces | 5 |
| Farmington | 4 |
| Santa Fe | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002ABBXAWQFIKV03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1014974 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568244 | 1998–2017 |
Established 1 January 1937. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: First Financial Credit Union's data.
First Financial Credit Union's data
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First Financial 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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