Applications / Mortgage Analytics / Lenders / California / Foothill Federal Credit Union
Arcadia, CA · Credit union · NCUA · $766 million assets · 345 loans in 2025
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345
loans originated, 2025
501
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Foothill Federal Credit Union lends mostly to people improving homes they already own, and 80.6% of its loans go to neighborhoods where most residents are minorities.
Home improvement made up 41.7% of its loans and other purposes 27.8%. Home purchases were just 7.8%. Its typical loan, $155,000, was larger than the $105,000 at similar lenders, credit unions making between half and twice as many loans. Jumbo loans (larger than the conforming limit) were 3.7% of its lending, against 0.4%.
That 80.6% compares with 12.1% at similar lenders, and is higher than at nearly all of them. It lends only in California, across 6 metros, so the figure may simply reflect the neighborhoods it serves.
Borrowers with low and moderate incomes (LMI) took 12.9% of its loans, against 27.5% at similar lenders. Poorer neighborhoods (LMI tracts) took 8.7%, against 15.7%. Both shares were among the lowest tenth. Its larger loans may point to borrowers with higher incomes, and the places it lends may have fewer poorer neighborhoods.
Its typical rate, 4.99%, was lower than at almost all similar lenders. It made 345 loans in 2025, up 3%, against 7% at similar lenders. It made 542 loans in 2020 and 173 in 2022, and has made more every year since.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Foothill Federal Credit Union took 501 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.7% · Other 27.8% · Refinance 22.6% · Purchase 7.8%
Conventional 100.0% · of 345 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 | 345 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 253 |
| Riverside-San Bernardino-Ontario | 78 |
| Anaheim-Santa Ana-Irvine | 11 |
| Fresno | 1 |
| Salinas | 1 |
| Visalia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HNJRM4GVCEUP46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 333182 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512425 | 1990–2017 |
Established 1 January 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Foothill Federal Credit Union's data.
Foothill Federal Credit Union's data
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Foothill 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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