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It made 504 loans, up 15% from 439. Similar lenders (credit unions making between half and twice as many loans) grew 6%; it grew faster than about two-thirds of them. It is still below its peak of 710 loans in 2021.
Applications / Mortgage Analytics / Lenders / New Mexico / Kirtland Federal Credit Union
Kirtland Federal Credit Union
Albuquerque, NM · Credit union · NCUA · $1.1 billion assets · 504 loans in 2025
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504
loans originated, 2025
899
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kirtland Federal Credit Union, an Albuquerque lender, makes most of its loans in majority-minority neighborhoods, and in 2025 it grew faster than most similar credit unions.
A New Mexico lender
All its lending is in New Mexico, and it has lent in Albuquerque since at least 1990. Its share there rose to 1.3% from 1.2%, ranking it 19 of 364; United Wholesale Mortgage, Waterstone Mortgage and Guild Mortgage Company lead. In Santa Fe its share rose to 0.3% from 0.1%.
Refinancing and repairs
Refinances made up 31.9% of its lending and home improvement 25.6%. Purchases were only 18.3%. Almost all its loans were conventional. Lending guaranteed by the Department of Veterans Affairs (VA) fell to 1.4% from 10.6% five years earlier.
Diverse neighborhoods, fewer modest earners
Majority-minority neighborhoods took 64.7% of its loans, against 10.8% at similar lenders, a higher share than more than nine in ten of them. Low- and moderate-income (LMI) borrowers took 18.1%, against 27.3%. Its tilt toward refinancing and home improvement rather than first purchases may account for some of that gap.
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
504 loans in 2025, against a peak of 710 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kirtland Federal Credit Union took 899 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
31.9% of its 2025 loans were refinance loans; 98.6% were conventional loans.
Refinance 31.9% · Home improvement 25.6% · Other 24.2% · Purchase 18.3%
Conventional 98.6% · VA 1.4% · of 504 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
1 state, 4 metros, 16 counties
| State | Loans | Share |
|---|---|---|
| New Mexico | 504 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Albuquerque | 467 |
| Santa Fe | 20 |
| Las Cruces | 4 |
| Farmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008NZFLT1BQ8EN23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 298188 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512199 | 1990–2017 |
Established 1 January 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kirtland Federal Credit Union's data.
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