Northrop Grumman Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Northrop Grumman Federal Credit Union of Gardena, CA reported 1,149 mortgage applications totaling $276.2 million, down 9% from 2024. The average application was for $240,387, and applicants reported an average income of $193,841. 45% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (335), Baltimore-Columbia-Towson, MD (126) and Riverside-San Bernardino-Ontario, CA (79) (applications in parentheses).
| Mortgage Company & Address | Northrop Grumman Federal Credit Union 879 W 190th St 8th Floor Gardena, CA 90248 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,149 |
| Total Mortgage Loan Application Amount | $276,205,000 |
| Average Mortgage Loan Application Amount | $240,387 |
| Highest Mortgage Loan Application Amount | $1,645,000 |
| Average Applicant Income | $193,841 |
| Highest Applicant Income | $4,488,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northrop Grumman Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 335 | $ 76,005,000 | $ 226,880 | $ 194,000 |
| Baltimore-Columbia-Towson, MD | 126 | $ 29,620,000 | $ 235,079 | $ 187,000 |
| Riverside-San Bernardino-Ontario, CA | 79 | $ 14,105,000 | $ 178,544 | $ 146,000 |
| Outside any metro area | 71 | $ 18,785,000 | $ 264,577 | $ 210,267 |
| Palm Bay-Melbourne-Titusville, FL | 60 | $ 15,640,000 | $ 260,666 | $ 160,000 |
| Anaheim-Santa Ana-Irvine, CA | 47 | $ 14,675,000 | $ 312,234 | $ 197,000 |
| Chicago-Naperville, IL | 39 | $ 10,445,000 | $ 267,820 | $ 212,000 |
| San Diego-Carlsbad, CA | 32 | $ 9,500,000 | $ 296,875 | $ 296,000 |
| Ogden-Clearfield, UT | 28 | $ 8,170,000 | $ 291,785 | $ 157,000 |
| Phoenix-Mesa-Scottsdale, AZ | 28 | $ 5,990,000 | $ 213,928 | $ 339,000 |
| Arlington-Alexandria-Reston, VA-WV | 23 | $ 5,395,000 | $ 234,565 | $ 188,608 |
| Bakersfield, CA | 14 | $ 3,830,000 | $ 273,571 | $ 154,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 3,470,000 | $ 289,166 | $ 159,000 |
| Washington, DC-MD | 11 | $ 3,275,000 | $ 297,727 | $ 188,727 |
| Denver-Aurora-Lakewood, CO | 10 | $ 2,480,000 | $ 248,000 | $ 169,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 3,620,000 | $ 362,000 | $ 237,000 |
| Huntsville, AL | 9 | $ 1,905,000 | $ 211,666 | $ 139,000 |
| Washington-Baltimore-Arlington, DC | 8 | $ 3,740,000 | $ 467,500 | $ 257,000 |
| Elgin, IL | 7 | $ 1,585,000 | $ 226,428 | $ 148,000 |
| Fort Worth-Arlington, TX | 7 | $ 2,675,000 | $ 382,142 | $ 133,000 |
| Salt Lake City, UT | 7 | $ 2,475,000 | $ 353,571 | $ 218,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,110,000 | $ 185,000 | $ 153,333 |
| Colorado Springs, CO | 5 | $ 1,195,000 | $ 239,000 | $ 139,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,515,000 | $ 303,000 | $ 119,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,745,000 | $ 349,000 | $ 232,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,085,000 | $ 217,000 | $ 422,000 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 1,345,000 | $ 269,000 | $ 93,000 |
| Tucson, AZ | 5 | $ 565,000 | $ 113,000 | $ 146,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 810,000 | $ 202,500 | $ 135,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 920,000 | $ 230,000 | $ 188,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 495,000 | $ 165,000 | $ 1,517,000 |
| Greeley, CO | 3 | $ 505,000 | $ 168,333 | $ 142,000 |
| Jacksonville, FL | 3 | $ 315,000 | $ 105,000 | $ 124,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 165,000 | $ 55,000 | $ 78,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 695,000 | $ 231,666 | $ 175,000 |
| Oklahoma City, OK | 3 | $ 695,000 | $ 231,666 | $ 218,000 |
| Provo-Orem, UT | 3 | $ 775,000 | $ 258,333 | $ 80,000 |
| Reno, NV | 3 | $ 715,000 | $ 238,333 | $ 187,000 |
| Richmond, VA | 3 | $ 305,000 | $ 101,666 | $ 132,000 |
| Salisbury, MD-DE | 3 | $ 195,000 | $ 65,000 | $ 101,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 235,000 | $ 78,333 | $ 120,000 |
| Warner Robins, GA | 3 | $ 505,000 | $ 168,333 | $ 85,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 375,000 | $ 125,000 | $ 61,000 |
| Wilmington, DE-MD-NJ | 3 | $ 645,000 | $ 215,000 | $ 100,000 |
| York-Hanover, PA | 3 | $ 315,000 | $ 105,000 | $ 97,000 |
| Boise City, ID | 2 | $ 150,000 | $ 75,000 | $ 63,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 240,000 | $ 120,000 | $ 71,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 720,000 | $ 360,000 | $ 153,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 610,000 | $ 305,000 | $ 170,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 710,000 | $ 355,000 | $ 140,000 |
| Gettysburg, PA | 2 | $ 410,000 | $ 205,000 | $ 157,000 |
| Jackson, MS | 2 | $ 600,000 | $ 300,000 | $ 123,000 |
| Lake Charles, LA | 2 | $ 340,000 | $ 170,000 | $ 60,000 |
| Nassau County-Suffolk County, NY | 2 | $ 510,000 | $ 255,000 | $ 196,000 |
| Olympia-Tumwater, WA | 2 | $ 400,000 | $ 200,000 | $ 86,000 |
| Port St. Lucie, FL | 2 | $ 250,000 | $ 125,000 | $ 143,000 |
| Rochester, NY | 2 | $ 370,000 | $ 185,000 | $ 66,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 880,000 | $ 440,000 | $ 131,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 680,000 | $ 340,000 | $ 164,000 |
| Springfield, MA | 2 | $ 220,000 | $ 110,000 | $ 187,000 |
| St. Louis, MO-IL | 2 | $ 700,000 | $ 350,000 | $ 176,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 380,000 | $ 190,000 | $ 176,000 |
| Tulsa, OK | 2 | $ 510,000 | $ 255,000 | $ 115,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 880,000 | $ 440,000 | $ 195,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 220,000 | $ 110,000 | $ 202,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 655,000 | $ 655,000 | $ 300,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 25,000 | $ 25,000 | $ 153,000 |
| Binghamton, NY | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Boulder, CO | 1 | $ 585,000 | $ 585,000 | $ 226,000 |
| Charleston-North Charleston, SC | 1 | $ 545,000 | $ 545,000 | $ 194,000 |
| Charlottesville, VA | 1 | $ 85,000 | $ 85,000 | $ 106,000 |
| Cincinnati, OH-KY-IN | 1 | $ 425,000 | $ 425,000 | $ 184,000 |
| Clarksville, TN-KY | 1 | $ 315,000 | $ 315,000 | $ 154,000 |
| Columbia, SC | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Dover, DE | 1 | $ 65,000 | $ 65,000 | $ 274,000 |
| Duluth, MN-WI | 1 | $ 265,000 | $ 265,000 | $ 228,000 |
| Flagstaff, AZ | 1 | $ 205,000 | $ 205,000 | $ 143,000 |
| Florence-Muscle Shoals, AL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 395,000 | $ 395,000 | $ 350,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 55,000 | $ 55,000 | $ 165,000 |
| Greensboro-High Point, NC | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 345,000 | $ 345,000 | $ 155,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 155,000 | $ 155,000 | $ 232,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 205,000 | $ 205,000 | $ 388,000 |
| Kansas City, MO-KS | 1 | $ 255,000 | $ 255,000 | $ 88,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 115,000 | $ 115,000 | $ 144,000 |
| Las Cruces, NM | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Lexington Park, MD | 1 | $ 445,000 | $ 445,000 | $ 115,000 |
| Lexington-Fayette, KY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 115,000 | $ 115,000 | $ 164,000 |
| Logan, UT-ID | 1 | $ 75,000 | $ 75,000 | $ 130,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 315,000 | $ 315,000 | $ 133,000 |
| Macon-Bibb County, GA | 1 | $ 45,000 | $ 45,000 | $ 2,736,000 |
| Manchester-Nashua, NH | 1 | $ 45,000 | $ 45,000 | $ 136,000 |
| Medford, OR | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Memphis, TN-MS-AR | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 255,000 | $ 255,000 | $ 660,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 265,000 | $ 265,000 | $ 216,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 25,000 | $ 25,000 | $ 191,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 205,000 | $ 205,000 | $ 181,000 |
| Ocala, FL | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Panama City, FL | 1 | $ 245,000 | $ 245,000 | $ 26,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 55,000 | $ 55,000 | $ 92,000 |
| Philadelphia, PA | 1 | $ 175,000 | $ 175,000 | $ 1,188,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 75,000 | $ 75,000 | $ 234,000 |
| Raleigh, NC | 1 | $ 335,000 | $ 335,000 | $ 137,000 |
| Redding, CA | 1 | $ 475,000 | $ 475,000 | $ 209,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 505,000 | $ 505,000 | $ 46,000 |
| Santa Fe, NM | 1 | $ 375,000 | $ 375,000 | $ 106,000 |
| Staunton-Waynesboro, VA | 1 | $ 105,000 | $ 105,000 | $ 158,000 |
| Stockton-Lodi, CA | 1 | $ 55,000 | $ 55,000 | $ 288,000 |
| Tampa, FL | 1 | $ 85,000 | $ 85,000 | $ 163,000 |
| Vallejo-Fairfield, CA | 1 | $ 105,000 | $ 105,000 | $ 168,000 |
| Waco, TX | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Walla Walla, WA | 1 | $ 475,000 | $ 475,000 | $ 112,000 |
| Waterbury-Shelton, CT | 1 | $ 305,000 | $ 305,000 | $ 185,000 |
| Wichita, KS | 1 | $ 255,000 | $ 255,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Northrop Grumman Federal Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 644 | $98,840,000 | $153,000 | $905,000 | $206,000 | $4,488,000 |
| Home Purchase | 327 | $137,285,000 | $419,000 | $1,645,000 | $166,000 | $1,641,000 |
| Home Improvement | 113 | $16,285,000 | $144,000 | $505,000 | $203,000 | $4,317,000 |
| Refinancing | 63 | $23,645,000 | $375,000 | $1,225,000 | $201,000 | $1,368,000 |
| Other Purpose | 2 | $150,000 | $75,000 | $105,000 | $88,000 | $101,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 496 | $99,430,000 | $200,000 | $1,645,000 | $207,000 | $4,488,000 |
| White | 319 | $92,425,000 | $289,000 | $1,575,000 | $188,000 | $2,700,000 |
| Hispanic | 182 | $43,190,000 | $237,000 | $1,225,000 | $181,000 | $1,614,000 |
| Black or African American | 74 | $19,330,000 | $261,000 | $895,000 | $174,000 | $2,167,000 |
| Asian | 68 | $19,920,000 | $292,000 | $1,045,000 | $187,000 | $614,000 |
| American Indian or Alaskan Native | 9 | $1,885,000 | $209,000 | $545,000 | $141,000 | $667,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,149 | $276,205,000 | $240,000 | $1,645,000 | $194,000 | $4,488,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 518 | $108,430,000 | $209,000 | $1,265,000 | $172,000 | $532,000 |
| Application Denied By Financial Institution | 162 | $26,570,000 | $164,000 | $1,575,000 | $176,000 | $4,317,000 |
| Preapproval Approved but not Accepted | 148 | $64,990,000 | $439,000 | $1,645,000 | $157,000 | $875,000 |
| Application Withdrawn By Applicant | 101 | $22,225,000 | $220,000 | $935,000 | $327,000 | $4,488,000 |
| Application Approved But Not Accepted | 93 | $23,505,000 | $252,000 | $1,045,000 | $159,000 | $509,000 |
| File Closed For Incompleteness | 85 | $15,865,000 | $186,000 | $805,000 | $343,000 | $2,736,000 |
| Preapproval Denied by Financial Institution | 42 | $14,620,000 | $348,000 | $695,000 | $116,000 | $320,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 945 | $235,015,000 | $248,000 | $1,645,000 | $200,000 | $4,488,000 |
| Debt-To-Income Ratio | 82 | $18,770,000 | $228,000 | $685,000 | $125,000 | $517,000 |
| Other | 53 | $6,415,000 | $121,000 | $255,000 | $209,000 | $4,317,000 |
| Credit History | 45 | $11,745,000 | $261,000 | $795,000 | $163,000 | $1,614,000 |
| Collateral | 23 | $4,135,000 | $179,000 | $1,575,000 | $202,000 | $596,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $148,000 | $148,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northrop Grumman Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Northrop Grumman Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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