Applications / Mortgage Analytics / Lenders / California / University Credit Union
Los Angeles, CA · Credit union · NCUA · $1.2 billion assets · 58 loans in 2025
University Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
58
loans originated, 2025
134
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
University Credit Union's mortgage lending shrank by three-quarters in 2025, to 58 loans, yet the loans it still makes are large and often in mostly minority neighborhoods.
It made 58 loans in 2025, down 75% from 231, while similar lenders (credit unions making between half and twice as many loans) grew 7%. The decline is long: it made 295 loans in 2020 and 436 in 2023. The figures do not say why, though it may have chosen to make fewer, larger loans: its typical loan more than tripled. Its 2022 count of 1323, several times any other year, looks out of line with the rest of its record.
Its typical loan was $470,000, against $95,000 at its peers and $155,000 a year earlier. Only a handful of similar lenders make loans that large. Its book splits between purchases, 56.9%, and refinances, 43.1%, all of them conventional.
Some 44.8% of its loans went to majority-minority neighborhoods, against 9.5% at peers. Only 12.1% went to low- and moderate-income borrowers, against 30.9%. Its main market is Los Angeles, which may account for the first figure. Loans of its size usually go to higher earners, which may explain the second.
Its typical rate was 6.48%, a little lower than peers' 6.74%, and none of its loans was higher-priced (a rate well above the average for similar loans). With so few loans, small shifts in its mix can move these figures a lot.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. University Credit Union took 134 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.9% · Refinance 43.1%
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 | 42 | 72.4% |
| Texas | 3 | 5.2% |
| Arizona | 2 | 3.4% |
| Georgia | 2 | 3.4% |
| Washington | 2 | 3.4% |
| Idaho | 1 | 1.7% |
| Illinois | 1 | 1.7% |
| Michigan | 1 | 1.7% |
| New Mexico | 1 | 1.7% |
| Ohio | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 22 |
| Sacramento-Roseville-Folsom | 7 |
| Oakland-Fremont-Berkeley | 4 |
| Phoenix-Mesa-Chandler | 2 |
| Riverside-San Bernardino-Ontario | 2 |
| Abilene | 1 |
| Albuquerque | 1 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Bellingham | 1 |
| Boise City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G5ZQEXZC4Y5G44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 321899 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564171 | 1994–2017 |
Established 1 January 1950. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: University Credit Union's data.
University Credit Union's data
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