Los Angeles Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
19th0.71 ptsProcesswithdrawn + incomplete share, weight 15%
1st42.5%Closing coststotal loan costs ÷ loan amount, weight 10%
98th0.29% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 212 | 149 | 12.7% | 15.3% | 6.00% | $37M |
| 2024 | 217 | 137 | 18.9% | 22.9% | 6.75% | $36M |
| 2025 | 186 | 100 | 0.0% | 0.0% | 6.88% | $28M |
What Los Angeles Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 8 investment properties.
Who gets approved at Los Angeles Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 35 | 13 | 0.0% |
| $100k – $150k | 54 | 30 | 0.0% |
| $150k – $250k | 58 | 37 | 0.0% |
| Over $250k | 29 | 17 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 37 | 23 | 0.0% |
| 45–54 | 31 | 17 | 0.0% |
| 55–64 | 35 | 23 | 0.0% |
| 65–74 | 30 | 20 | 0.0% |
Where Los Angeles Federal Credit Union lends
2 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 185 | 100 | 0.0% | 6.88% | #375 |
Frequently asked questions
Los Angeles Federal Credit Union denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Los Angeles Federal Credit Union originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.71 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 9% of its applications were for home purchases, 41% for refinancing (including cash-out), and 49% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.