Applications / Mortgage Analytics / Lenders / California / Farmers Insurance Federal Credit Union
Burbank, CA · Credit union · NCUA · $1.3 billion assets · 472 loans in 2025
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472
loans originated, 2025
895
applications, 2025
40
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers Insurance Federal Credit Union, based in Burbank, lends in 40 states, mostly for purposes other than buying or refinancing a home. Its loans rose 48% in 2025.
It made 472 loans, up from 320. Similar lenders (credit unions making between half and twice as many loans) grew 6% and the whole market 10%; it grew faster than nearly nine in ten of its peers. The value of its loans about doubled, to $106.7 million.
Loans for other purposes made up 41.1% of its lending and home improvement 28.4%. Purchases were 24.4% and refinances 6.1%. It lent in 114 metros and 204 counties, and in Los Angeles, its largest market, it ranked 352 of 757. It also bought 14 loans, where most similar credit unions bought none.
Its typical loan was $145,000, against $105,000 at similar lenders, and 8.3% of its loans were jumbo (larger than the conforming limit), against 0.5%. Borrowers with low or moderate incomes (LMI) took 8.9% of its loans, against 27.6%, among the lowest of its peers. Larger loans may go to borrowers who earn more, and lending spread across 40 states may not follow local incomes.
Neighborhoods where most residents belong to minorities took 30.1% of its loans, against 11.2% at similar lenders. That is higher than at about three in four of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers Insurance Federal Credit Union took 895 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.1% · Home improvement 28.4% · Purchase 24.4% · Refinance 6.1%
Conventional 100.0% · of 472 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 | 148 | 31.4% |
| Texas | 52 | 11.0% |
| Arizona | 28 | 5.9% |
| Michigan | 21 | 4.4% |
| Missouri | 21 | 4.4% |
| Washington | 15 | 3.2% |
| New Mexico | 13 | 2.8% |
| Colorado | 12 | 2.5% |
| Oklahoma | 12 | 2.5% |
| Illinois | 11 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 26 |
| Phoenix-Mesa-Chandler | 24 |
| Anaheim-Santa Ana-Irvine | 22 |
| Riverside-San Bernardino-Ontario | 21 |
| Kansas City | 19 |
| Grand Rapids-Wyoming-Kentwood | 13 |
| Dallas-Plano-Irving | 12 |
| Oakland-Fremont-Berkeley | 10 |
| Sacramento-Roseville-Folsom | 10 |
| Denver-Aurora-Centennial | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KPHGEE40YQXO21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 772576 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51074 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Farmers Insurance Federal Credit Union's data.
Farmers Insurance Federal Credit Union's data
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Farmers Insurance 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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