Applications / Mortgage Analytics / Lenders / California / Kinecta Federal Credit Union
Manhattan Beach, CA · Credit union · NCUA · $6.5 billion assets · 1,523 loans in 2025
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1,523
loans originated, 2025
2,180
applications, 2025
36
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kinecta Federal Credit Union is a California credit union whose lending is almost all refinancing, 93.9% of its loans, and its originations fell 7% in 2025 while similar lenders grew 9%.
Refinances were 93.9% of its originations and home purchases 6.1%. Its typical loan was $195,000, larger than at nearly nine in ten similar lenders (credit unions making between half and twice as many loans), whose typical loan was $115,000. Its jumbo share (loans larger than the conforming limit) fell to 2.8% from 20.4% the year before.
Originations fell 7% to 1,523, against a rise of 9% at similar lenders and 10% for the whole market, lower growth than nearly nine in ten peers. They were 3,225 in 2020, when its typical rate was 3.25%; in 2025 it was 6.75%. For a lender this reliant on refinancing, that difference in rates is one possible reason for the lower volume.
Majority-minority areas took 50.8% of its loans, against 10.5% at peers, higher than about nine in ten. LMI (low- and moderate-income) borrowers took 16.8%, among the lowest tenth of peers (27.1%), and LMI areas 12.2%, against 15.3%. Its larger loans are one possible reason for the lower LMI borrower share.
None of its loans were higher-priced (a rate well above the average for similar loans), against 1.5% at peers, and its typical rate of 6.75% was lower than the peers' 7.00%.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kinecta Federal Credit Union took 2,180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 93.9% · Purchase 6.1%
Conventional 99.7% · FHA 0.3% · of 1,523 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 |
|---|---|---|
| California | 1,195 | 78.5% |
| New York | 116 | 7.6% |
| Arizona | 21 | 1.4% |
| Florida | 17 | 1.1% |
| Nevada | 16 | 1.1% |
| Washington | 14 | 0.9% |
| New Jersey | 12 | 0.8% |
| Georgia | 10 | 0.7% |
| Illinois | 10 | 0.7% |
| Oregon | 10 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 689 |
| Anaheim-Santa Ana-Irvine | 188 |
| Rochester | 107 |
| Riverside-San Bernardino-Ontario | 102 |
| Oxnard-Thousand Oaks-Ventura | 47 |
| San Diego-Chula Vista-Carlsbad | 39 |
| Santa Maria-Santa Barbara | 32 |
| Sacramento-Roseville-Folsom | 15 |
| San Jose-Sunnyvale-Santa Clara | 14 |
| Oakland-Fremont-Berkeley | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IKS3MMB5YK6T18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 277473 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54142 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kinecta Federal Credit Union's data.
Kinecta Federal Credit Union's data
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Kinecta 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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