Applications / Mortgage Analytics / Lenders / California / First California Federal Credit Union
Fresno, CA · Credit union · NCUA · $110 million assets · 39 loans in 2025
First California Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
39
loans originated, 2025
66
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First California Federal Credit Union, a small Fresno lender, makes mostly home-improvement loans, and most of them go to majority-minority neighborhoods.
Home improvement made up 53.8% of its 39 loans, refinancing 25.6% and other purposes 20.5%. It reported no home-purchase loans. That may explain why its typical loan, $55,000, was among the lowest tenth of similar lenders (credit unions making between half and twice as many loans), whose typical loan was $85,000.
Majority-minority neighborhoods took 79.5% of its loans, against 9.1% at its peers, higher than nearly all of them. Low- and moderate-income (LMI) neighborhoods took 25.6%, against 17.4%. It lends in only two counties around Fresno, and the make-up of those communities may explain both figures.
It filed no report for 2020 to 2024, a gap in the record rather than years without lending. It made 26 loans in 2018 and 23 in 2019, fewer than in 2025. In Fresno, where it has lent since 1990, it ranked 163 of 409 lenders with 0.1% of the market's dollars; small loans keep that share low.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First California Federal Credit Union took 66 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 53.8% · Refinance 25.6% · Other 20.5%
Conventional 100.0% · of 39 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 | 39 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fresno | 39 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PQ03NIDTKFIO56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 314798 | 2004–2019 |
| Respondent ID (the HMDA filer code before 2018) | 523964 | 1990–2016 |
Established 1 January 1982. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First California Federal Credit Union's data.
First California Federal Credit Union's data
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First California 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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