Applications / Mortgage Analytics / Lenders / California / Rize Federal Credit Union
Irwindale, CA · Credit union · NCUA · $1.3 billion assets · 311 loans in 2025
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311
loans originated, 2025
562
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rize Federal Credit Union lends mostly for home improvements and refinances, and most of its loans go to majority-minority areas.
Home improvement made up 43.4% of its 311 loans and refinances 37.0%. Purchases were only 4.2%. Its typical loan, $115,000, was close to the $105,000 at similar lenders (credit unions making between half and twice as many loans).
Its count fell 18% from 380, while similar credit unions grew 7%. But 2024 was itself a leap from 110 loans in 2023, and 2025 was still higher than any year from 2018 to 2023. Its dollar total rose to $62.0 million from $56.9 million.
Majority-minority areas took 83.3% of its loans, against 12.7% at similar credit unions, more than at nearly all of them. Low- and moderate-income (LMI) areas took 20.6%, against 15.7%. Its largest market, Los Angeles-Long Beach-Anaheim, is a possible reason.
In El Centro, where it first lent in 2020, its share rose to 0.6% from 0.0%. It ranked 31 of 171 lenders. United Wholesale Mortgage led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rize Federal Credit Union took 562 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 43.4% · Refinance 37.0% · Other 15.4% · Purchase 4.2%
Conventional 99.7% · FHA 0.3% · of 311 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 | 264 | 84.9% |
| Nevada | 47 | 15.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 139 |
| Riverside-San Bernardino-Ontario | 102 |
| Las Vegas-Henderson-North Las Vegas | 45 |
| Anaheim-Santa Ana-Irvine | 13 |
| El Centro | 4 |
| Oxnard-Thousand Oaks-Ventura | 2 |
| San Diego-Chula Vista-Carlsbad | 2 |
| Oakland-Fremont-Berkeley | 1 |
| Reno | 1 |
| Sacramento-Roseville-Folsom | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001FMENBK31GGQ69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 161086 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57835 | 1992–2017 |
Established 1 January 1952. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Rize Federal Credit Union's data.
Rize Federal Credit Union's data
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Rize 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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