Applications / Mortgage Analytics / Lenders / California / Fast Federal Credit Union
Hanford, CA · Credit union · NCUA · $317 million assets · 38 loans in 2025
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38
loans originated, 2025
112
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fast Federal Credit Union, based in Hanford, California, makes small loans that are mostly not for buying or refinancing a home, and most of them go to majority-minority neighborhoods.
Some 71.1% of its 38 loans were for purposes other than buying, refinancing or improving a home; refinancing was 21.1% and home purchase 7.9%. Its typical loan, $65,000, was smaller than at four in five similar lenders (credit unions making between half and twice as many loans), whose typical loan was $85,000. Every loan was conventional.
Some 84.2% of its loans went to majority-minority neighborhoods, against 9.1% at similar lenders, higher than at almost all of them. Its share to low- and moderate-income (LMI) borrowers, 16.7%, is below the 31.6% at its peers. One possible reason is its product mix: loans for other purposes may go mainly to people who already own homes.
It made 97 loans in 2021 and 38 in 2025, falling every year in between. The latest fall, 12%, came while similar lenders grew by 1%. The record does not show why.
Hanford-Corcoran is its main market, where it has lent since 2004. It ranks 35 of 186 lenders there, with 0.4% of the market, unchanged on the year. United Wholesale Mortgage and Lennar Mortgage lead. In Fresno, Visalia and Riverside its share is too small to show.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fast Federal Credit Union took 112 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 71.1% · Refinance 21.1% · Purchase 7.9%
Conventional 100.0% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hanford-Corcoran | 35 |
| Fresno | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Visalia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I8D8TQDQWQAO82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 310585 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59109 | 1994–2017 |
Established 1 January 1954. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Fast Federal Credit Union's data.
Fast Federal Credit Union's data
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Fast 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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