Applications / Mortgage Analytics / Lenders / New Mexico / U.S. Eagle Federal Credit Union
Albuquerque, NM · Credit union · NCUA · $1.5 billion assets · 368 loans in 2025
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368
loans originated, 2025
558
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
U.S. Eagle Federal Credit Union is a New Mexico lender that makes small loans for home improvement and other purposes rather than home purchase, most of them in majority-minority neighborhoods.
Two-thirds of its loans, 67.1%, were for other purposes and 19.8% for home improvement. Purchases and refinancings were small sidelines. Its typical loan was $75,000, against $105,000 at similar lenders, which are credit unions making between half and twice as many loans. In 2020 its typical loan was $165,000, so its lending has moved toward smaller loans.
Of its loans, 76.9% went to majority-minority neighborhoods, against 11.9% at similar lenders, a higher share than at almost all of them. Its lending is concentrated in New Mexico, which may account for much of that. It also lent 20.8% of its loans in low- and moderate-income (LMI) neighborhoods, against 15.5% at peers.
Its loans rose 5% in 2025, to 368, close to the 7% of similar lenders. Its typical rate, 6.99%, matched theirs, and only 0.3% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 1.9% at peers.
It has lent in Albuquerque since 1990. There it ranked 36 of 364 lenders in 2025, with 0.6% of lending, against 0.7% a year earlier. Its small loan size keeps its dollar share low even where it lends often. United Wholesale Mortgage led the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. U.S. Eagle Federal Credit Union took 558 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 67.1% · Home improvement 19.8% · Purchase 7.3% · Refinance 5.7%
Conventional 99.2% · VA 0.8% · of 368 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 |
|---|---|---|
| New Mexico | 367 | 99.7% |
| Colorado | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albuquerque | 316 |
| Farmington | 31 |
| Santa Fe | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300H6J0XZXQGKDW16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 752176 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5808 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: U.S. Eagle Federal Credit Union's data.
U.S. Eagle Federal Credit Union's data
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U.S. Eagle 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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