Applications / Mortgage Analytics / Lenders / California / Patelco Credit Union
Dublin, CA · Credit union · NCUA · $9.6 billion assets · 1,846 loans in 2025
Patelco Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,846
loans originated, 2025
4,165
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Patelco Credit Union is a California lender of larger loans than similar credit unions, with 20.8% of its loans jumbo, though its volume is far below its 2020 level.
Jumbo loans (larger than the conforming limit) were 20.8% of its lending, against 1.5% at similar lenders (credit unions making between half and twice as many loans), higher than nearly all of them. Its typical loan was $175,000, against $115,000, and it lent $632.6 million, about double peers' $309.1 million.
Originations fell 10% to 1,846 while similar lenders grew 10%, lower growth than about nine in ten. It made 5,522 loans in 2020 and 6,641 in 2021. Refinances are 54.4% of its loans, and its typical rate was 3.50% in 2020 against 8.00% in 2025; a lender this weighted to refinancing is one whose volume can swing with rates, one possible reason for the fall.
LMI (low- and moderate-income) borrowers took 14.9% of its loans, against 27.2% at peers, lower than more than nine in ten. Its jumbo lending, which tends to serve higher-income borrowers, is one possible reason. Loans in majority-minority areas were 60.2%, against 10.9%, higher than more than nine in ten, and in LMI areas 16.6%, near peers' 14.7%; its markets, including San Francisco-Oakland-Fremont, San Jose and Sacramento, are one ordinary reason.
It ranked 29 of 606 lenders in San Francisco-Oakland-Fremont and 36 of 459 in San Jose-Sunnyvale-Santa Clara, markets led by Wells Fargo Bank.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Patelco Credit Union took 4,165 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.4% · Other 28.6% · Purchase 17.0%
Conventional 100.0% · of 1,846 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 | 1,846 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 817 |
| Sacramento-Roseville-Folsom | 287 |
| San Francisco-San Mateo-Redwood City | 184 |
| San Jose-Sunnyvale-Santa Clara | 156 |
| Vallejo | 73 |
| Stockton-Lodi | 63 |
| Santa Rosa-Petaluma | 50 |
| San Rafael | 33 |
| Modesto | 19 |
| Napa | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EM6UG8HE3P8U74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 461496 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560585 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 597082 | 2005–2007 |
| Respondent ID (the HMDA filer code before 2018) | 568579 | 2008–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Patelco Credit Union's data.
Patelco Credit Union's data
$215
Patelco 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.
Buy Patelco Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]