Applications / Mortgage Analytics / Lenders / California / Orange County's Federal Credit Union
Santa Ana, CA · Credit union · NCUA · $3.0 billion assets · 1,142 loans in 2025
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1,142
loans originated, 2025
2,147
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Orange County's Federal Credit Union is a California credit union whose lending is almost all refinancing, with far more of its loans in majority-minority areas than similar lenders.
Refinancing was 88.2% of its loans and purchases the rest; it reported no home-improvement or other-purpose loans. Its typical loan was $155,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), and jumbo loans (larger than the conforming limit) were 7.2%, against 1.0%.
Majority-minority areas took 62.4% of its loans, higher than more than nine in ten peers (10.1%), and up from 50.2% five years before. LMI (low- and moderate-income) areas took 17.1%, against 15.0%, while LMI borrowers took 19.2%, against 27.4%; its larger loans and its Los Angeles-Long Beach-Anaheim market are possible reasons for the lower borrower share.
Its higher-priced share (a rate well above the average for similar loans) was 6.9%, against 1.5% at peers and 2.2% a year before. Manufactured homes were 6.3% of its loans, against 0.3%; such loans are often priced this way and could account for most of the difference.
Originations rose 1% to 1,142, against 9% at peers and 10% for the whole market. It ranked 113 of 757 in Los Angeles-Long Beach-Anaheim, and its share rose 0.7 points to 0.7% in Carson City and 0.5 points in Santa Maria-Santa Barbara.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Orange County's Federal Credit Union took 2,147 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 88.2% · Purchase 11.8%
Conventional 100.0% · of 1,142 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 | 1,140 | 99.8% |
| Nevada | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Anaheim-Santa Ana-Irvine | 743 |
| Riverside-San Bernardino-Ontario | 179 |
| Los Angeles-Long Beach-Glendale | 133 |
| Santa Maria-Santa Barbara | 30 |
| Oxnard-Thousand Oaks-Ventura | 21 |
| San Diego-Chula Vista-Carlsbad | 17 |
| Sacramento-Roseville-Folsom | 8 |
| Bakersfield-Delano | 3 |
| Fresno | 2 |
| Carson City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KDDWLC5I8K6C44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 980698 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568416 | 2000–2017 |
Established 1 January 1938. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Orange County's Federal Credit Union's data.
Orange County's Federal Credit Union's data
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Orange County'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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