Applications / Mortgage Analytics / Lenders / California / LA Financial Federal Credit Union
Pasadena, CA · Credit union · NCUA · 23 loans in 2025
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23
loans originated, 2025
46
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
LA Financial Federal Credit Union, a Pasadena credit union that has reported since 1991, made only 23 loans in 2025, a quarter of its 2024 total and a small fraction of its 2020 peak.
Its loans fell 75%, from 91 to 23, a steeper fall than at almost every similar lender, credit unions making between half and twice as many loans. Those peers shrank 5% at the middle, while the whole market grew 10%. The record does not say why; a small lender that mostly refinances may see its count swing sharply as members' reasons to refinance come and go.
It made 421 loans in 2020, when its typical rate was 3.12%. Refinances still made up 87.0% of its lending in 2025, so higher rates, which make refinancing less worthwhile, may explain much of the long decline since 2020.
Every loan it made was conventional, with no government backing. Home purchases made up the remaining 13.0% of its lending. With 23 loans, its shares of lending to particular borrowers and neighborhoods are too small to read much into.
Los Angeles-Long Beach-Anaheim is its largest market, where it has lent since 1991 and ranked 518 of 757 lenders. JPMorgan Chase Bank led there. It also lends in Riverside-San Bernardino-Ontario and Lake Havasu City-Kingman.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. LA Financial Federal Credit Union took 46 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 87.0% · Purchase 13.0%
Conventional 100.0% · of 23 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 | 17 | 73.9% |
| Arizona | 6 | 26.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 12 |
| Lake Havasu City-Kingman | 6 |
| Riverside-San Bernardino-Ontario | 4 |
| Anaheim-Santa Ana-Irvine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900C303DGB8I7GG88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 82677 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52024 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: LA Financial Federal Credit Union's data.
LA Financial Federal Credit Union's data
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LA Financial 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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