Applications / Mortgage Analytics / Lenders / California / First City Credit Union
Altadena, CA · Credit union · NCUA · $937 million assets · 163 loans in 2025
First City Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
163
loans originated, 2025
317
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First City Credit Union, which lends mainly for home improvement and other purposes, made 41% more loans in 2025, and most of them went to majority-minority areas.
Other purposes made up 39.9% of its loans and home improvement 37.4%; home purchases were just 6.7%. All were conventional. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
Majority-minority areas took 84.7% of its loans, against 10.6% at similar lenders, higher than nearly all of them. Low- and moderate-income (LMI) areas took 25.3%, against 17.1%. Its share to LMI borrowers, 25.8%, was close to peers' 28.4%.
Originations rose 41%, faster than about eight in ten similar lenders, whose typical growth was 8%. Its count has swung between 79 in 2021 and 181 in 2022. It filed no report for 2020, a gap in the record.
Its typical rate was 7.75%, against 6.75% at peers, higher than about nine in ten of them. Home-improvement and other-purpose loans, which often carry higher rates than first mortgages, are a possible reason. Only 0.6% of its loans were higher-priced (a rate well above the average for similar loans), against 2.3% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. First City Credit Union took 317 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 39.9% · Home improvement 37.4% · Refinance 16.0% · Purchase 6.7%
Conventional 100.0% · of 163 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 | 163 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 122 |
| Riverside-San Bernardino-Ontario | 31 |
| Anaheim-Santa Ana-Irvine | 6 |
| Bakersfield-Delano | 3 |
| San Diego-Chula Vista-Carlsbad | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S1ULK3TJQ8I652 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1004779 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568503 | 2003–2017 |
Established 1 January 1937. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: First City Credit Union's data.
First City Credit Union's data
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First City 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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