Applications / Mortgage Analytics / Lenders / California / Gain Federal Credit Union
Burbank, CA · Credit union · NCUA · $442 million assets · 149 loans in 2025
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149
loans originated, 2025
232
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gain Federal Credit Union lends mostly for home improvement, and made 75% more loans in 2025 after two years of decline.
Home improvement made up 54.4% of its loans and other purposes 29.5%; purchases were only 2.7%. Its typical loan, $155,000, was larger than at about four in five similar lenders (credit unions making between half and twice as many loans), where it was $105,000. None of its loans were higher-priced (a rate well above the average for similar loans).
It made 149 loans in 2025, up from 85 in 2024 and 126 in 2023. Its growth was faster than at about nine in ten similar lenders, which grew 9%. It made 268 loans in 2022 and 299 in 2020.
Majority-minority neighborhoods took 45.6% of its loans, against 9.8%, more than at about four in five similar lenders. Low- and moderate-income (LMI) borrowers took 15.4% and LMI neighborhoods 8.7%, against 28.7% and 17.3%, among the lowest tenth. The incomes of the members and neighborhoods it serves around Los Angeles are a possible reason.
It ranks 311 of 757 in Los Angeles-Long Beach-Anaheim, where JPMorgan Chase Bank leads. In 2025 it entered San Jose.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gain Federal Credit Union took 232 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 54.4% · Other 29.5% · Refinance 13.4% · Purchase 2.7%
Conventional 100.0% · of 149 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 | 147 | 98.7% |
| Arizona | 1 | 0.7% |
| Nevada | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 123 |
| Oxnard-Thousand Oaks-Ventura | 9 |
| Riverside-San Bernardino-Ontario | 6 |
| Anaheim-Santa Ana-Irvine | 3 |
| Bakersfield-Delano | 2 |
| San Luis Obispo-Paso Robles | 2 |
| Lake Havasu City-Kingman | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| San Jose-Sunnyvale-Santa Clara | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M0SDF90SCNIY89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 256571 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53943 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Gain Federal Credit Union's data.
Gain Federal Credit Union's data
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