Applications / Mortgage Analytics / Lenders / California / UMe Federal Credit Union
Burbank, CA · Credit union · NCUA · $341 million assets · 94 loans in 2025
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94
loans originated, 2025
108
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UMe Federal Credit Union lends mostly for home improvement in California, with loans more than twice the size of similar credit unions' and more than half of them in majority-minority neighborhoods.
Home improvement made up 70.2% of its 94 loans in 2025; purchases were only 3.2%. Its typical loan was $205,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), larger than about nine in ten of them. Every loan was conventional, with no government backing.
It made 54.3% of its loans in majority-minority neighborhoods, against 9.2% at similar lenders. Yet only 8.5% went to low- and moderate-income borrowers, against 30.2%, lower than almost all of them. Loans this large for improving homes may go mainly to owners with enough income and equity to support them, which would keep the share of poorer borrowers low.
Its typical rate was 5.99%, against 6.75% at similar lenders, lower than about nine in ten. None of its loans was higher-priced (a rate well above the average for similar loans), where similar lenders' share was 3.4%.
Its loans fell 14% in 2025, while similar lenders grew 7% and the whole market 10%. It has made fewer loans each year since 2022, when it made 148, and is now back to its 2020 count of 94.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UMe Federal Credit Union took 108 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 70.2% · Refinance 13.8% · Other 12.8% · Purchase 3.2%
Conventional 100.0% · of 94 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 | 94 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 87 |
| Anaheim-Santa Ana-Irvine | 3 |
| Riverside-San Bernardino-Ontario | 2 |
| Oxnard-Thousand Oaks-Ventura | 1 |
| San Jose-Sunnyvale-Santa Clara | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q6TVHCCFZ5R384 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 439477 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53945 | 1994–2017 |
Established 1 January 1940. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: UMe Federal Credit Union's data.
UMe Federal Credit Union's data
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UMe 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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