Applications / Mortgage Analytics / Lenders / California / Redwood Credit Union
Santa Rosa, CA · Credit union · NCUA · $9.8 billion assets · 2,928 loans in 2025
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2,928
loans originated, 2025
4,626
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Redwood Credit Union, a California credit union, grew 42% in 2025, faster than about nine in ten similar credit unions, and lifted its share in Santa Rosa-Petaluma, where it ranks second.
Originations rose 42% to 2,928, against typical growth of 9% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. The rise follows two years of decline from 3,917 loans in 2022, and 2025 is still below that level.
Its share in Santa Rosa-Petaluma rose from 5.9% to 8.8%, second of 330 lenders behind United Wholesale Mortgage, and in Napa from 2.6% to 3.2%, eighth of 229. It has lent in both since 1991 and lends only in California.
Its typical loan, $205,000, is about double the $105,000 at similar lenders, and jumbo loans (larger than the conforming limit) were 16.6% against 1.2%. Home improvement was its largest purpose at 35.1%. Its typical rate, 8.00%, is higher than about nine in ten similar lenders; home-improvement and other-purpose loans, 35.1% and 13.7% of its lending, may carry higher rates than first mortgages.
Low- and moderate-income (LMI) borrowers took 22.2% of its loans against 27.6%, lower than about seven in ten similar lenders; its larger loan sizes may be part of the reason. Majority-minority tracts took 23.8% against 10.3%.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Redwood Credit Union took 4,626 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.1% · Purchase 31.3% · Refinance 19.9% · Other 13.7%
Conventional 100.0% · of 2,928 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 | 2,928 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Santa Rosa-Petaluma | 1,419 |
| San Rafael | 433 |
| San Francisco-San Mateo-Redwood City | 425 |
| Napa | 172 |
| Oakland-Fremont-Berkeley | 91 |
| Vallejo | 60 |
| Sacramento-Roseville-Folsom | 43 |
| Riverside-San Bernardino-Ontario | 9 |
| Los Angeles-Long Beach-Glendale | 8 |
| San Jose-Sunnyvale-Santa Clara | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001WRXQTCKCA6205 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 238791 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560793 | 1990–2017 |
Established 1 January 1950. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Redwood Credit Union's data.
Redwood Credit Union's data
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Redwood 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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