Applications / Mortgage Analytics / Lenders / California / USC Credit Union
Los Angeles, CA · Credit union · NCUA · $714 million assets · 144 loans in 2025
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144
loans originated, 2025
205
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
USC Credit Union is a small Los Angeles credit union whose loans run more than twice the size of similar lenders' and go mostly to majority-minority neighborhoods.
Its typical loan in 2025 was $255,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). That is higher than about nine in ten of them. Jumbo loans, larger than the conforming limit, made up 8.5% of its lending; the typical peer made none. This is despite home improvement being its largest line, at 36.1% of loans.
Some 68.8% of its loans went to majority-minority neighborhoods, against 9.8% at the typical peer, more than at about nine in ten of them. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts) was 17.4%, near the middle. Its share to LMI borrowers was far lower, at 2.8% against 28.9%, among the lowest of its peers. Larger loans tend to go to higher earners, which may explain the gap.
It made 144 loans in 2025, up 10% on 2024, in step with similar lenders (9%) and the whole market (10%). That is well below the 348 of 2020, the most in any year since 2018. Most of the drop had come by 2023, when it made 126.
None of its loans in 2025 was higher-priced (a rate well above the average for similar loans), against 2.6% at the typical peer. Its typical rate, 6.75%, matched peers'.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. USC Credit Union took 205 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.1% · Purchase 27.8% · Refinance 26.4% · Other 9.7%
Conventional 100.0% · of 144 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 | 144 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 93 |
| Riverside-San Bernardino-Ontario | 17 |
| Anaheim-Santa Ana-Irvine | 16 |
| Oxnard-Thousand Oaks-Ventura | 5 |
| Bakersfield-Delano | 3 |
| Sacramento-Roseville-Folsom | 3 |
| San Francisco-San Mateo-Redwood City | 2 |
| San Jose-Sunnyvale-Santa Clara | 2 |
| Salinas | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001EL4XFDHGNJO24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 240084 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568459 | 2001–2017 |
Established 1 January 1973. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: USC Credit Union's data.
USC Credit Union's data
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