Improvements first
Home improvement made up 40.8% of its loans and other purposes 29.6%. Purchases were only 14.2%, and every loan was conventional. It made 466 loans in 2025, 4% fewer than in 2024.
Applications / Mortgage Analytics / Lenders / California / First Entertainment Credit Union
First Entertainment Credit Union
Hollywood, CA · Credit union · NCUA · $2.1 billion assets · 466 loans in 2025
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466
loans originated, 2025
608
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Entertainment Credit Union lends mostly for home improvement and other purposes, and its typical loan is about double that of similar credit unions.
Big loans for a credit union
Its typical loan, $205,000, was about double the $105,000 at similar lenders (credit unions making between half and twice as many loans), higher than about nine in ten of them. Jumbo loans (larger than the conforming limit) were 7.3%, against 0.5%. Yet its loans have shrunk: five years before, the typical one was $435,000.
Diverse places, few LMI borrowers
Majority-minority neighborhoods took 46.6% of its loans, against 11.8% at peers, higher than more than eight in ten of them. Low- and moderate-income (LMI) borrowers took 7.1%, against 27.5%, the lowest among its peers. Its larger loans are one possible reason.
Higher rates from its mix
Its typical rate was 8.00%, against 7.00% at peers, higher than about nine in ten of them. Home-improvement and other-purpose loans, often priced above first mortgages, are a possible reason. Its higher-priced share (loans at a rate well above the average for similar loans), 2.7%, was close to peers' 1.9%.
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
466 loans in 2025, against a peak of 777 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Entertainment Credit Union took 608 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
40.8% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 40.8% · Other 29.6% · Refinance 15.5% · Purchase 14.2%
Conventional 100.0% · of 466 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, 11 metros, 13 counties
| State | Loans | Share |
|---|---|---|
| California | 466 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 368 |
| Oxnard-Thousand Oaks-Ventura | 32 |
| Riverside-San Bernardino-Ontario | 26 |
| Anaheim-Santa Ana-Irvine | 16 |
| San Diego-Chula Vista-Carlsbad | 8 |
| Bakersfield-Delano | 6 |
| Oakland-Fremont-Berkeley | 3 |
| Sacramento-Roseville-Folsom | 3 |
| Santa Maria-Santa Barbara | 2 |
| Salinas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F6S4S7QMOUVG59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 425489 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568373 | 1999–2017 |
Established 1 January 1967. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: First Entertainment Credit Union's data.
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