Applications / Mortgage Analytics / Lenders / Texas / America's Credit Union
Garland, TX · Credit union · NCUA · $413 million assets · 62 loans in 2025
America's Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
62
loans originated, 2025
104
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
America's Credit Union, based in Garland, Texas, mostly refinances, and its typical loan is about twice the size of those at credit unions its size.
Its typical loan was $185,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. That is higher than at more than four in five of them. Refinances made up 59.7% of its loans, other purposes 22.6% and home purchases 17.7%. All of it was conventional.
Majority-minority areas took 45.2% of its loans, against 9.6% at peers, up from 23.2% five years before. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 25.8%, against 17.4%, and LMI borrowers 38.7%, against 30.9%. A possible reason is its home market, Dallas-Fort Worth.
Its loans fell 2%, to 62, while peers grew 7% and the whole market 10%. It made 103 loans in 2022 and has stayed near 60 since. Its typical rate, 6.62%, was near the middle of its peers.
It has lent in Dallas-Fort Worth-Arlington since 1990 and ranked 400 of 1,026 there. United Wholesale Mortgage led the market. In Sherman-Denison its share slipped by 0.1 points; at a share this small, a few loans either way make that difference.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. America's Credit Union took 104 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 59.7% · Other 22.6% · Purchase 17.7%
Conventional 100.0% · of 62 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 | 55 | 88.7% |
| Missouri | 7 | 11.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 52 |
| Springfield | 7 |
| Houston-Pasadena-The Woodlands | 1 |
| Sherman-Denison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900H6Q0VRU6MPSX83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 744292 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567470 | 1992–2017 |
Established 1 January 1934. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: America's Credit Union's data.
America's Credit Union's data
$215
America's 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.
Buy America's Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]