Fast growth from a lower base
Originations rose 38% to 3,078, against 9% for the typical similar lender (credit unions making between half and twice as many loans) and 10% for the whole market. It remains well under half its 7,205 loans of 2022.
Applications / Mortgage Analytics / Lenders / California / Logix Federal Credit Union
Logix Federal Credit Union
Valencia, CA · Credit union · NCUA · $9.7 billion assets · 3,078 loans in 2025
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3,078
loans originated, 2025
4,674
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Logix Federal Credit Union, a California credit union lending mostly for refinancing and other purposes, grew its loan count 38% in 2025, faster than more than nine in ten similar credit unions.
Refinance and other-purpose lending
Other purposes made up 42.7% of its loans and refinancing 31.2%, with only 6.8% for home purchase. Its typical loan, $195,000 against $105,000, was higher than about nine in ten peers, and its typical rate, 6.38% against 7.00%, lower than about four in five.
Gaining in Oxnard
It ranks 12 of 422 lenders in Oxnard-Thousand Oaks-Ventura, with 1.8% against 1.2% a year earlier, and 37 of 757 in Los Angeles-Long Beach-Anaheim; it has lent in both since before 1990.
Few LMI borrowers, many majority-minority areas
Low- and moderate-income (LMI) borrowers took 17.1% of its loans against 27.5%, and LMI neighbourhoods 10.3% against 14.8%, both lower than about nine in ten similar lenders; its larger loans could account for some of this. Majority-minority neighbourhoods took 51.8% against 9.9%, higher than more than nine in ten, which could reflect markets centred on Los Angeles and Oxnard.
Questions the data can answer next
- How are its other-purpose loans priced against those of other credit unions in Los Angeles?
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
3,078 loans in 2025, against a peak of 7,205 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Logix Federal Credit Union took 4,674 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
42.7% of its 2025 loans were other loans; 100.0% were Conventional.
Other 42.7% · Refinance 31.2% · Home improvement 19.4% · Purchase 6.8%
Conventional 100.0% · of 3,078 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
9 states, 41 metros, 56 counties
| State | Loans | Share |
|---|---|---|
| California | 2,989 | 97.1% |
| Nevada | 32 | 1.0% |
| New Hampshire | 24 | 0.8% |
| Arizona | 19 | 0.6% |
| Massachusetts | 5 | 0.2% |
| Virginia | 4 | 0.1% |
| Maryland | 3 | 0.1% |
| Maine | 1 | 0.0% |
| Texas | 1 | 0.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 2,212 |
| Oxnard-Thousand Oaks-Ventura | 496 |
| Riverside-San Bernardino-Ontario | 89 |
| Anaheim-Santa Ana-Irvine | 67 |
| Bakersfield-Delano | 37 |
| Las Vegas-Henderson-North Las Vegas | 28 |
| San Diego-Chula Vista-Carlsbad | 25 |
| Manchester-Nashua | 19 |
| Phoenix-Mesa-Chandler | 12 |
| Oakland-Fremont-Berkeley | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000EO85W8IS2FR22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 284378 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51999 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Logix Federal Credit Union's data.
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