Applications / Mortgage Analytics / Lenders / North Carolina / American Partners Federal Credit Union
Reidsville, NC · Credit union · NCUA · $108 million assets · 81 loans in 2025
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81
loans originated, 2025
81
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Partners Federal Credit Union, a small lender in Virginia and North Carolina, makes more than half its loans in poorer neighborhoods, a higher share than almost any credit union of its size.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 53.8% of its loans, up from 42.3% a year earlier. At similar lenders, credit unions making between half and twice as many loans, the figure was 17.3%. Majority-minority areas took 23.5%, against 9.2%, more than at about seven in ten peers. The data give no figure for its share to LMI borrowers.
It filed no HMDA report from 2018 to 2022; those are gaps in the record, not years without lending. Since 2023 it has made 82, 78 and 81 loans. Its 4% rise in 2025 put it near the middle of its peers, whose typical rise was 6%, against 10% for the whole market.
Its typical loan was $145,000, against $95,000 at peers, higher than at about three in four of them. Refinances made up 51.9% of its lending and home purchases 46.9%. All of it was conventional.
Roanoke, which it entered in 2023, is its largest market. Its share there fell to 0.5% from 0.7%, leaving it 48 of 346 lenders. Atlantic Bay Mortgage Group led. A few loans either way move a share this small.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. American Partners Federal Credit Union took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.9% · Purchase 46.9% · Home improvement 1.2%
Conventional 100.0% · of 81 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 |
|---|---|---|
| Virginia | 68 | 84.0% |
| North Carolina | 10 | 12.3% |
| New Mexico | 2 | 2.5% |
| Texas | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Roanoke | 47 |
| Lynchburg | 12 |
| Greensboro-High Point | 8 |
| Albuquerque | 2 |
| Charlottesville | 2 |
| Jacksonville | 2 |
| Corpus Christi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900AJB66305WKCT53 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 775081 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 522119 | 1995–2016 |
Established 1 January 1975. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: American Partners Federal Credit Union's data.
American Partners Federal Credit Union's data
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American Partners 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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