Applications / Mortgage Analytics / Lenders / California / Certified Federal Credit Union
El Monte, CA · Credit union · NCUA · $903 million assets · 101 loans in 2025
Certified Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
101
loans originated, 2025
121
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Certified Federal Credit Union, a California lender, makes three in four of its loans in majority-minority neighborhoods, and in 2025 its long slide in lending came to a halt.
Its originations rose 10% to 101, close to the 8% at similar lenders (credit unions making between half and twice as many loans). It had made 291 loans at its peak in 2021, against 120 in 2018, so those busy years may have been the exception rather than its usual size. Its 2024 merger with Prospectors Federal Credit Union may have added to this year's rise.
Majority-minority neighborhoods took 75.2% of its loans, against 9.3% at similar lenders, more than at nearly all of them. Its largest markets are Los Angeles-Long Beach-Anaheim and Riverside-San Bernardino-Ontario. Lending centered on those metros is one plausible reason for the share.
None of its loans was higher-priced (a rate well above the average for similar loans), against 3.4% at similar lenders. Its lending was spread across purposes: other purposes took 34.7%, purchases 26.7% and refinancing 22.8%. Every loan was conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Certified Federal Credit Union took 121 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 34.7% · Purchase 26.7% · Refinance 22.8% · Home improvement 15.8%
Conventional 100.0% · of 101 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 | 87 | 86.1% |
| Nevada | 6 | 5.9% |
| Arizona | 4 | 4.0% |
| Texas | 2 | 2.0% |
| North Carolina | 1 | 1.0% |
| Wyoming | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 46 |
| Riverside-San Bernardino-Ontario | 18 |
| Anaheim-Santa Ana-Irvine | 8 |
| Las Vegas-Henderson-North Las Vegas | 5 |
| Oxnard-Thousand Oaks-Ventura | 4 |
| Phoenix-Mesa-Chandler | 4 |
| Bakersfield-Delano | 2 |
| San Diego-Chula Vista-Carlsbad | 2 |
| Visalia | 2 |
| El Centro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WXO2FZYE7KAW26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 345886 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59230 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Certified Federal Credit Union's data.
Certified Federal Credit Union's data
$215
Certified 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.
Buy Certified Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]