Applications / Mortgage Analytics / Lenders / Texas / The People's Federal Credit Union
Amarillo, TX · Credit union · NCUA · $221 million assets · 23 loans in 2025
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23
loans originated, 2025
35
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The People's Federal Credit Union, of Amarillo, Texas, is a small lender of home-improvement loans and refinances, and made 23 loans in 2025.
Home improvement made up 65.2% of its loans and refinances the rest; it made no home-purchase loans. Its typical loan was $55,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. Every loan was conventional.
It made 23 loans, down from 44 in 2024, while similar lenders' lending fell 5%. Between 2019 and 2024 it made between 35 and 57 loans a year. With so few loans, a couple of dozen either way is enough to halve or double the total, so the fall says little on its own.
It first reported in 1991 and has lent in Amarillo since. It ranked 100 of 258 lenders there in 2025, with 0.1% of the market, down from 0.2%; the dip may simply reflect its smaller number of loans. Amarillo National Bank leads that market. Its loans are too few to read much into their spread across borrowers or neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The People's Federal Credit Union took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 65.2% · Refinance 34.8%
Conventional 100.0% · of 23 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 | 23 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Amarillo | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WJGWD3H4OFK051 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 429889 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58290 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: The People's Federal Credit Union's data.
The People's Federal Credit Union's data
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The People's 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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