Applications / Mortgage Analytics / Lenders / California / Northrop Grumman Federal Credit Union
Gardena, CA · Credit union · NCUA · $1.6 billion assets · 518 loans in 2025
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518
loans originated, 2025
959
applications, 2025
38
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Northrop Grumman Federal Credit Union is a California credit union lending in 38 states, mainly for refinancing, with far more of its loans in majority-minority areas than similar credit unions.
Refinances made up 66.0% of its loans, purchases 21.6% and home improvement 12.4%. All of it was conventional. Its typical loan was $155,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at about three in four of them.
It lent in 38 states, 79 metros and 131 counties. In Los Angeles-Long Beach-Anaheim, its largest market, it ranked 271 of 757 lenders, and in Baltimore it held 0.1%, unchanged. It first lent in non-metro Hawaii, Atlanta and Walla Walla in 2025.
Majority-minority areas took 44.2% of its loans, against 10.8% at peers, more than about four in five of them; its California base, where Los Angeles is its largest market, is one possible reason. Its purchase denial rate, 1.6%, was lower than about nine in ten peers, against 6.5%.
It made 518 loans, 7% fewer than in 2024, while similar lenders grew 6% and the whole market 10%. Its yearly count has swung widely: 704 in 2020, 299 in 2022 and 797 in 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Northrop Grumman Federal Credit Union took 959 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.0% · Purchase 21.6% · Home improvement 12.4%
Conventional 100.0% · of 518 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 | 250 | 48.3% |
| Maryland | 75 | 14.5% |
| Florida | 37 | 7.1% |
| Illinois | 22 | 4.2% |
| Utah | 21 | 4.1% |
| Virginia | 17 | 3.3% |
| Arizona | 15 | 2.9% |
| Colorado | 9 | 1.7% |
| Texas | 7 | 1.4% |
| Alabama | 6 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 151 |
| Baltimore-Columbia-Towson | 66 |
| Riverside-San Bernardino-Ontario | 41 |
| Anaheim-Santa Ana-Irvine | 23 |
| Palm Bay-Melbourne-Titusville | 20 |
| Chicago-Naperville-Schaumburg | 18 |
| San Diego-Chula Vista-Carlsbad | 18 |
| Ogden | 13 |
| Arlington-Alexandria-Reston | 12 |
| Phoenix-Mesa-Chandler | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009D2COWW65B8673 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 619194 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524292 | 1990–2017 |
Established 1 January 1946. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Northrop Grumman Federal Credit Union's data.
Northrop Grumman Federal Credit Union's data
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Northrop Grumman 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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