A manufactured-home specialist
Manufactured homes were 89.6% of its loans, against 0.3% at similar lenders (credit unions making between half and twice as many loans). Home purchases were 77.2%. It made no jumbo loans.
Applications / Mortgage Analytics / Lenders / California / Eagle Community Credit Union
Eagle Community Credit Union
Foothill Ranch, CA · Credit union · NCUA · $393 million assets · 536 loans in 2025
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536
loans originated, 2025
1,373
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Eagle Community Credit Union is a California manufactured-home lender: such homes were 89.6% of its loans, and its originations grew 44% in 2025.
Fast growth
Originations rose 44% to 536, while similar lenders grew 6% and the whole market 10%, faster than nearly nine in ten peers. It made 312 loans in 2023; it filed no report for 2018.
Price and denials follow the product
Higher-priced loans (a rate well above the average for similar loans) were 88.8% of its total, against 1.7% at peers, and its typical rate was 9.07%, against 7.00%. Its purchase denial rate was 20.6%, against 6.2%. Manufactured-home loans are usually priced higher and declined more often, which could account for most of these differences.
Lending in majority-minority and LMI areas
Loans in majority-minority areas were 78.7% of its total and in LMI (low- and moderate-income) areas 45.8%, against 10.5% and 15.1% at peers, higher than nearly all of them. The make-up of the California markets where it lends is one possible reason.
Questions the data can answer next
- Which California counties hold its manufactured-home lending, and who competes with it there?
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, 2019–2025
536 loans in 2025, against a peak of 582 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Eagle Community Credit Union took 1,373 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
77.2% of its 2025 loans were purchase loans; 100.0% were Conventional.
Purchase 77.2% · Refinance 13.4% · Home improvement 6.3% · Other 3.0%
Conventional 100.0% · of 536 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
1 state, 13 metros, 15 counties
| State | Loans | Share |
|---|---|---|
| California | 536 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Anaheim-Santa Ana-Irvine | 322 |
| Riverside-San Bernardino-Ontario | 123 |
| Los Angeles-Long Beach-Glendale | 50 |
| San Diego-Chula Vista-Carlsbad | 16 |
| Oxnard-Thousand Oaks-Ventura | 6 |
| Oakland-Fremont-Berkeley | 5 |
| Bakersfield-Delano | 4 |
| Santa Cruz-Watsonville | 3 |
| Salinas | 2 |
| San Luis Obispo-Paso Robles | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WZ3RTY75P7HO83 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 610294 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566847 | 1990–2015 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Eagle Community Credit Union's data.
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