Applications / Mortgage Analytics / Lenders / California / LBS Financial Credit Union
Westminster, CA · Credit union · NCUA · $2.2 billion assets · 252 loans in 2025
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252
loans originated, 2025
377
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
LBS Financial Credit Union more than doubled its dollar volume in 2025 on 15% more loans, and home improvement is its biggest line.
Its typical loan was $255,000, against $105,000 in 2024 and $105,000 at similar lenders (credit unions making between half and twice as many loans). In 2020 it was $285,000. Dollar volume rose to $88.5 million from $37.5 million, higher than at about nine in ten peers. The public data does not show which product drove the change.
Home improvement made up 39.7% of its loans, purchases 28.6%, refinances 19.4% and other purposes 12.3%. All were conventional.
Its loans rose 15%, against 6% at similar lenders and 10% for the whole market, faster than nearly two-thirds of them. Its typical rate, 6.12%, was lower than peers' 6.84%. None of its loans were higher-priced (a rate well above the average for similar loans), against 2.0% at peers.
Majority-minority areas took 62.7% of its loans, against 12.0% at similar lenders, higher than at about nine in ten. It ranked 198 of 757 lenders in Los Angeles-Long Beach-Anaheim, a market it has served since at least 1990, and first lent in San Jose-Sunnyvale-Santa Clara in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. LBS Financial Credit Union took 377 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.7% · Purchase 28.6% · Refinance 19.4% · Other 12.3%
Conventional 100.0% · of 252 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 | 252 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 169 |
| Anaheim-Santa Ana-Irvine | 47 |
| Riverside-San Bernardino-Ontario | 25 |
| Oxnard-Thousand Oaks-Ventura | 3 |
| Oakland-Fremont-Berkeley | 2 |
| San Jose-Sunnyvale-Santa Clara | 2 |
| Sacramento-Roseville-Folsom | 1 |
| Salinas | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000RV6UQ52SVTV40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 935072 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568460 | 2001–2017 |
Established 1 January 1935. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: LBS Financial Credit Union's data.
LBS Financial Credit Union's data
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LBS Financial 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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