Applications / Mortgage Analytics / Lenders / Arizona / American Southwest Credit Union
Sierra Vista, AZ · Credit union · NCUA · $427 million assets · 66 loans in 2025
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66
loans originated, 2025
95
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Southwest Credit Union, a small lender in southern Arizona, does little but refinance, and about one in five of its loans is on a manufactured home.
Refinances made up 89.4% of its loans and home purchases just 10.6%. Manufactured homes took 19.7%, a higher share than at nearly all similar lenders, credit unions making between half and twice as many loans. At the typical peer the figure was 0.0%. Its typical loan, $105,000, sat near the middle.
Its typical rate was 7.44%, against 6.75% at peers, higher than at about four in five of them. Its manufactured-home lending is one possible reason.
Its loans fell 20%, from 83 to 66, while peers grew 7% and the whole market 10%. Yet in Sierra Vista-Douglas, where it has lent since 2009, its share rose to 0.8% from 0.5%, leaving it 21 of 194 lenders. CrossCountry Mortgage led there. It filed no report for 2020 or 2021; those are gaps in the record, not years without lending.
Borrowers of low or moderate income (LMI) took 17.5% of its loans, against 31.1% at peers. Poorer neighborhoods (LMI tracts) took 6.1%, against 17.2%. Majority-minority areas took 19.7%, against 9.1%. A possible reason is where it lends: seven counties, all in Arizona.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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 Southwest Credit Union took 95 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 89.4% · Purchase 10.6%
Conventional 100.0% · of 66 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 |
|---|---|---|
| Arizona | 66 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sierra Vista-Douglas | 36 |
| Tucson | 15 |
| Yuma | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HWQV4ZV6WMCK88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 716084 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568567 | 2009–2017 |
Established 1 January 1955. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: American Southwest Credit Union's data.
American Southwest Credit Union's data
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American Southwest 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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