Applications / Mortgage Analytics / Lenders / New Mexico / Sandia Area Federal Credit Union
Albuquerque, NM · Credit union · NCUA · $1.4 billion assets · 426 loans in 2025
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426
loans originated, 2025
736
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sandia Area Federal Credit Union, an Albuquerque lender, makes about two-thirds of its loans in majority-minority neighborhoods, mostly small loans for home improvement and refinancing.
Home improvement made up 31.0% of its loans, refinances 30.8%, other purposes 25.4% and purchases 12.9%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest tenth of them.
Majority-minority areas took 66.4% of its loans, against 10.8% at similar lenders, more than at about nine in ten of them. Its share to low- and moderate-income (LMI) borrowers rose to 23.9% from 16.5% in 2024, closer to, though still below, the peer figure of 27.6%. Its share in poorer neighborhoods (LMI tracts) was near the middle.
It made 247 loans in 2018 and 426 in 2025, rising in most years. In 2025 its count was flat, while similar lenders grew 7% and the whole market 10%.
In Albuquerque it ranks 29 of 364 lenders, with 0.8% of lending, the same as a year earlier; United Wholesale Mortgage and Waterstone Mortgage lead. In Santa Fe it ranks 52 of 239, with an unchanged 0.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sandia Area Federal Credit Union took 736 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 31.0% · Refinance 30.8% · Other 25.4% · Purchase 12.9%
Conventional 99.5% · VA 0.5% · of 426 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 | 425 | 99.8% |
| Washington | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albuquerque | 379 |
| Santa Fe | 37 |
| Las Cruces | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L3IHIP0RH6IY76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 534783 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511316 | 1990–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sandia Area Federal Credit Union's data.
Sandia Area Federal Credit Union's data
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Sandia Area 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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