Applications / Mortgage Analytics / Lenders / California / I.L.W.U. Federal Credit Union
Long Beach, CA · Credit union · NCUA · $567 million assets · 58 loans in 2025
I.L.W.U. Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
58
loans originated, 2025
118
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
I.L.W.U. Federal Credit Union, based in Long Beach, is almost entirely a refinance lender, and two-thirds of its loans go to majority-minority neighborhoods.
Refinances made up 84.5% of its 58 loans in 2025; purchases were 12.1%. Its typical loan, $150,000, was larger than the $95,000 at similar lenders (credit unions making between half and twice as many loans), and larger than at more than three-quarters of them. Its count rose 7%, in line with similar lenders.
Five years earlier it made 89 loans worth $40.4 million, with a typical loan of $415,000 and 11.2% above the conforming limit (jumbo). In 2025 it lent $11.1 million and made no jumbo loans. The data do not say whether that marks a shift from first mortgages to smaller refinances.
Two-thirds of its loans, 65.5%, went to majority-minority neighborhoods, against 9.5% at similar lenders. Yet only 3.6% went to low- and moderate-income borrowers, against 30.9%, lower than at almost all similar lenders. One possibility is its refinance focus, since owners who refinance may earn more than buyers; another is its larger loans.
It lends in five states and 12 metros, but Los Angeles, where it has lent since 2004, is its largest market. In 2025 it merged with Portland Local No. 8 Federal Credit Union, whose filings count in its competition figures, and first lent in Boise and Idaho Falls.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. I.L.W.U. Federal Credit Union took 118 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 84.5% · Purchase 12.1% · Home improvement 3.4%
Conventional 100.0% · of 58 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 | 51 | 87.9% |
| Hawaii | 3 | 5.2% |
| Idaho | 2 | 3.4% |
| Alaska | 1 | 1.7% |
| Arizona | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 31 |
| Riverside-San Bernardino-Ontario | 8 |
| Anaheim-Santa Ana-Irvine | 4 |
| Oakland-Fremont-Berkeley | 2 |
| Sacramento-Roseville-Folsom | 2 |
| Stockton-Lodi | 2 |
| Urban Honolulu | 2 |
| Boise City | 1 |
| Idaho Falls | 1 |
| Lake Havasu City-Kingman | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300THBFHMP4WJ0323 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1875157 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564546 | 2004–2017 |
Established 1 January 1972. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: I.L.W.U. Federal Credit Union's data.
I.L.W.U. Federal Credit Union's data
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I.L.W.U. 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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