Applications / Mortgage Analytics / Lenders / California / Nikkei Credit Union
Gardena, CA · Credit union · NCUA · $80.2 million assets · 16 loans in 2025
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16
loans originated, 2025
16
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Nikkei Credit Union, of Gardena, California, is a very small lender whose 16 loans in 2025 went mostly on home improvements rather than home buying.
Home-improvement loans made up 62.5% of its lending and other-purpose loans 31.3%. Refinancing accounted for the rest; it made no home-purchase loans. Every loan was conventional, with no government backing. Its typical loan, $145,000, was larger than the $105,000 of similar lenders, which are credit unions making between half and twice as many loans.
It made 16 loans, down 20% from 20 in 2024. Similar lenders fell 10%, while the whole market grew 10%. It made 59 loans in 2022 and 45 in 2020, so its lending is now well below its level of a few years ago.
It has reported since 2007 and lends in 4 counties, all in California. In Los Angeles-Long Beach-Anaheim it ranked 576 of 757 lenders, a market JPMorgan Chase Bank led. In Riverside-San Bernardino-Ontario it ranked 640 of 707.
With 16 loans, its shares of lending to poorer borrowers and neighborhoods swing widely from year to year. They are too few to read much into, and comparisons with similar lenders on price or reach would rest on a handful of loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Nikkei Credit Union took 16 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 62.5% · Other 31.3% · Refinance 6.3%
Conventional 100.0% · of 16 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 | 16 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 12 |
| Anaheim-Santa Ana-Irvine | 2 |
| Riverside-San Bernardino-Ontario | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004IRV3T6D4NNV33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 281797 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565059 | 2007–2017 |
Established 1 January 1951. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Nikkei Credit Union's data.
Nikkei Credit Union's data
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Nikkei 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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