LOS ANGELES POLICE 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 D 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%
15th22.7% deniedProcesswithdrawn + incomplete share, weight 15%
29th16.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 601 | 347 | 18.1% | 23.2% | — | $45M |
| 2024 | 458 | 283 | 17.9% | 21.6% | 7.63% | $44M |
| 2025 | 371 | 230 | 18.9% | 22.7% | — | $45M |
What LOS ANGELES POLICE 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, 4 manufactured homes, 41 investment properties.
Who gets approved at LOS ANGELES POLICE 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 | 55 | 28 | 34.1% |
| $100k – $150k | 75 | 45 | 22.0% |
| $150k – $250k | 154 | 101 | 18.6% |
| Over $250k | 68 | 50 | 14.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 19 | 13.6% |
| 35–44 | 94 | 55 | 25.0% |
| 45–54 | 103 | 66 | 19.5% |
| 55–64 | 79 | 46 | 25.8% |
| 65–74 | 38 | 25 | 26.5% |
| Over 74 | 27 | 18 | 18.2% |
Where LOS ANGELES POLICE Federal Credit Union lends
13 states and 41 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 318 | 202 | 16.4% | — | #310 |
| Nevada | 14 | 10 | 7.1% | — | #295 |
| Arizona | 12 | 7 | 41.7% | — | #478 |
| Idaho | 8 | 5 | 37.5% | — | #281 |
| Texas | 5 | 1 | 20.0% | — | #1,068 |
Frequently asked questions
LOS ANGELES POLICE Federal Credit Union denied 22.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
In 2025, 11% of its applications were for home purchases, 42% for refinancing (including cash-out), and 48% 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.