Applications / Mortgage Analytics / Lenders / California / Arrowhead Central Credit Union
Rancho Cucamonga, CA · Credit union · NCUA · $2.8 billion assets · 597 loans in 2025
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597
loans originated, 2025
1,582
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arrowhead Central Credit Union is a Rancho Cucamonga, California credit union whose lending is mostly home improvement, and its 597 loans in 2025 were 20% more than in 2024, faster than most similar lenders.
Home improvement made up 78.9% of its loans, refinances 15.1% and purchases 6.0%. All of its lending was conventional. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
Originations rose 20%, from 499 to 597, against 6% at similar lenders and 10% for the whole market. Five years before, in 2020, it made 357 loans. It merged with Bourns Employees Federal Credit Union in 2024, which may account for some of the growth.
Majority-minority areas took 76.7% of its loans, against 10.8% at peers, among the highest tenth of them. LMI (low- and moderate-income) areas took 21.8%, against 15.1%, higher than most peers. Its share to LMI borrowers was lower, 17.2% against 27.2%; one possible reason is that home-improvement loans go to existing owners, whose incomes can be higher than their neighbourhood's.
In Riverside-San Bernardino-Ontario, CA, where it has lent since before 1990, it ranked 84 of 707 lenders with 0.2% of the market, unchanged from 2024. It lends in three states but mainly in California, across 10 counties.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arrowhead Central Credit Union took 1,582 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 78.9% · Refinance 15.1% · Purchase 6.0%
Conventional 100.0% · of 597 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 | 584 | 97.8% |
| Arizona | 10 | 1.7% |
| Nevada | 3 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 541 |
| Los Angeles-Long Beach-Glendale | 33 |
| Lake Havasu City-Kingman | 8 |
| Anaheim-Santa Ana-Irvine | 5 |
| Las Vegas-Henderson-North Las Vegas | 3 |
| San Diego-Chula Vista-Carlsbad | 3 |
| Phoenix-Mesa-Chandler | 2 |
| Bakersfield-Delano | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004GPC7K826BKF31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 498894 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560700 | 1990–2017 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Arrowhead Central Credit Union's data.
Arrowhead Central Credit Union's data
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Arrowhead Central 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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