Applications / Mortgage Analytics / Lenders / California / Altura Credit Union
Riverside, CA · Credit union · NCUA · $2.6 billion assets · 239 loans in 2025
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239
loans originated, 2025
380
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Altura Credit Union, of Riverside, California, makes far bigger loans than most similar credit unions, and most of them go to majority-minority neighborhoods.
Its typical loan was $255,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at about nineteen in twenty of them. It made about as many loans as a typical peer but lent $84.2 million, against $37.1 million. Refinances were 38.5% of its loans and home purchases 31.0%.
Majority-minority tracts took 76.1% of its loans, against 11.8% at peers, and low- and moderate-income (LMI) tracts 29.5%, against 16.3%. Both are higher than at about nine in ten similar lenders. LMI borrowers took 17.3%, against 27.8%; its larger loans are one possible reason borrower incomes run higher.
Its loans rose 2% to 239, against 6% at similar lenders and 10% for the whole market. It made 753 at its peak in 2021 and 234 in 2024.
It ranks 108 of 707 lenders in Riverside-San Bernardino-Ontario, with 0.2% of the market, up 0.1 points. United Wholesale Mortgage leads. In 2025 it first lent in Lake Havasu City-Kingman, Florence-Muscle Shoals and Augusta-Richmond County, each with a tiny share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Altura Credit Union took 380 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 38.5% · Purchase 31.0% · Other 23.8% · Home improvement 6.7%
Conventional 98.3% · FHA 1.7% · of 239 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 | 227 | 95.0% |
| Arizona | 3 | 1.3% |
| Texas | 3 | 1.3% |
| Alabama | 2 | 0.8% |
| Nevada | 2 | 0.8% |
| South Carolina | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 204 |
| Los Angeles-Long Beach-Glendale | 11 |
| Anaheim-Santa Ana-Irvine | 5 |
| San Diego-Chula Vista-Carlsbad | 2 |
| Augusta-Richmond County | 1 |
| Beaumont-Port Arthur | 1 |
| Birmingham | 1 |
| El Centro | 1 |
| Florence-Muscle Shoals | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TG5MQ8D4SYP955 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 866792 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562799 | 1999–2017 |
Established 1 January 1957. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Altura Credit Union's data.
Altura Credit Union's data
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Altura 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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