Applications / Mortgage Analytics / Lenders / California / Premier America Credit Union
Chatsworth, CA · Credit union · NCUA · $3.3 billion assets · 340 loans in 2025
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340
loans originated, 2025
656
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Premier America Credit Union has moved from big loans to smaller ones, mostly for home improvement and other purposes: its typical loan was $445,000 in 2020 and $155,000 in 2025.
In 2020 it lent $565.6 million, and 44.3% of its loans were jumbo (larger than the conforming limit). In 2025 it lent $88.8 million. Its count fell from 910 in 2022 to 330 in 2023 and has stayed near that level since, which may reflect a move away from large first mortgages.
Other-purpose loans were 40.6% of its lending and home-improvement loans 40.0%. Purchases were 12.9%. Its loan count fell by 3%, while similar lenders (credit unions making between half and twice as many loans) typically grew by 7%.
Its typical rate was 8.00%, against 6.99% at similar lenders, higher than at about nine in ten of them. Home-improvement and other-purpose loans, most of its lending, usually carry higher rates than first-lien purchase loans, which could account for the difference.
Majority-minority neighborhoods took 45.9% of its loans, against 12.0% at similar lenders, more than at four in five of them. Its largest market is Los Angeles-Long Beach-Anaheim, where it ranks 237 of 757 lenders; it ranks 64 of 422 in Oxnard-Thousand Oaks-Ventura.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Premier America Credit Union took 656 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 40.6% · Home improvement 40.0% · Purchase 12.9% · Refinance 6.5%
Conventional 100.0% · of 340 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 | 301 | 88.5% |
| Texas | 19 | 5.6% |
| Georgia | 3 | 0.9% |
| Arizona | 2 | 0.6% |
| Colorado | 2 | 0.6% |
| Florida | 2 | 0.6% |
| Nevada | 2 | 0.6% |
| Pennsylvania | 2 | 0.6% |
| Michigan | 1 | 0.3% |
| North Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 140 |
| Oxnard-Thousand Oaks-Ventura | 140 |
| Houston-Pasadena-The Woodlands | 12 |
| Riverside-San Bernardino-Ontario | 6 |
| Anaheim-Santa Ana-Irvine | 5 |
| Dallas-Plano-Irving | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Bakersfield-Delano | 2 |
| Las Vegas-Henderson-North Las Vegas | 2 |
| Prescott Valley-Prescott | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HVFLWKU7133506 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 96487 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568428 | 2000–2017 |
Established 1 January 1957. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Premier America Credit Union's data.
Premier America Credit Union's data
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Premier America 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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