Applications / Mortgage Analytics / Lenders / California / Edwards Federal Credit Union
Edwards, CA · Credit union · NCUA · $276 million assets · 27 loans in 2025
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27
loans originated, 2025
27
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Edwards Federal Credit Union, a small California credit union that first reported in 1991, makes small home-improvement and other loans rather than purchase or refinance mortgages.
Low- and moderate-income (LMI) borrowers took 85.3% of its 34 loans in 2024 and 96.3% of its 27 loans in 2025. Similar lenders, here credit unions making between half and twice as many loans, typically made 31.9%. In 2025, 85.2% of its loans went to majority-minority neighborhoods, against 10.5%. The numbers are small, so they are best read as a pattern across both years rather than a precise share.
Other purposes made up 48.1% of its loans and home improvements 44.4%; purchases and refinances were rare. Its typical loan was $75,000, against $95,000 at similar credit unions.
It first reported in 1991, the year it entered both Los Angeles-Long Beach-Anaheim and Bakersfield-Delano. In both it is a minor lender, ranking 569 of 757 in Los Angeles and 391 of 407 in Bakersfield. It filed no report from 2018 to 2022; those are gaps in the record, not years without lending. Its loans fell 21% in 2025, from 34 to 27.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Edwards Federal Credit Union took 27 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 48.1% · Home improvement 44.4% · Purchase 3.7% · Refinance 3.7%
Conventional 100.0% · of 27 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 | 27 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 24 |
| Bakersfield-Delano | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L6L2UXMLMG8616 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 656984 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514830 | 1991–2017 |
Established 1 January 1962. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Edwards Federal Credit Union's data.
Edwards Federal Credit Union's data
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Edwards 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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