Applications / Mortgage Analytics / Lenders / Texas / ACFCU Federal Credit Union
Amarillo, TX · Credit union · NCUA · $309 million assets · 91 loans in 2025
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91
loans originated, 2025
123
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ACFCU Federal Credit Union, an Amarillo lender, makes small loans and sends more than half of them to low- and moderate-income borrowers, a far higher share than similar credit unions.
Of its loans, 54.9% went to low- and moderate-income (LMI) borrowers, against 30.2% at similar lenders (credit unions making between half and twice as many loans), higher than nearly all of them. Five years earlier the share was 31.3%. It also made more of its loans in LMI and majority-minority areas than similar lenders did.
Refinances made up 60.4% of its loans, with other-purpose and home-improvement loans the rest; it made no purchase loans. Its typical loan was $55,000, against $95,000 at similar lenders, smaller than nearly all of them. So its $6.0 million was lower than more than eight in ten lent.
It made 91 loans, down 12% from 103, while similar lenders grew 7% and the whole market 10%. Its loans peaked at 147 in 2021. The figures do not say why. With most of its lending in refinances, its count may move with how many members choose to refinance.
It has lent in Amarillo since 1990 and ranks 41 of 258 lenders, with 0.4% of a $1.23B market, down from 0.6%. Amarillo National Bank leads. Because its loans are small, a few fewer of them may shrink its dollar share quickly.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ACFCU Federal Credit Union took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.4% · Other 28.6% · Home improvement 11.0%
Conventional 100.0% · of 91 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 | 91 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Amarillo | 74 |
| Killeen-Temple | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P6CCUZE02WB068 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 903772 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55168 | 1990–2017 |
Established 1 January 1945. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: ACFCU Federal Credit Union's data.
ACFCU Federal Credit Union's data
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ACFCU 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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