Applications / Mortgage Analytics / Lenders / California / Stanford Federal Credit Union
Palo Alto, CA · Credit union · NCUA · $4.7 billion assets · 1,010 loans in 2025
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1,010
loans originated, 2025
1,315
applications, 2025
39
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Stanford Federal Credit Union is a California credit union of large loans: its typical loan was $405,000, the largest among similar lenders, and 18.5% of its loans were jumbo (larger than the conforming limit).
Its typical loan was $405,000 against $105,000 at similar lenders (credit unions making between half and twice as many loans), and its jumbo share of 18.5% compared with 1.0% at peers. Its dollar volume, $561.5 million, was higher than at nearly all of them, though by number of loans it was larger than only about six in ten.
LMI (low- and moderate-income) borrowers took 7.7% of its loans against 27.8% at peers, among the lowest tenth. Its large loans and its main markets, San Jose and San Francisco, are possible reasons. Majority-minority areas took 48.9% of its loans against 10.5% at peers, which may reflect the make-up of those same markets.
It lent in 39 states and 92 metros, mostly California. Other purposes were 32.6% of its loans, purchases 31.7%, refinances 19.6% and home improvement 16.1%. It turned down 2.0% of first-lien home-purchase applications on owner-occupied homes against 6.1% at peers, lower than at nearly nine in ten of them.
Originations rose 8% to 1,010, close to peers' 9%. Its share of San Jose-Sunnyvale-Santa Clara fell 0.3 points to 0.5%, ranking 31 of 459; a lower jumbo share than last year, 18.5% against 25.5%, is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Stanford Federal Credit Union took 1,315 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 32.6% · Purchase 31.7% · Refinance 19.6% · Home improvement 16.1%
Conventional 100.0% · of 1,010 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 | 849 | 84.1% |
| Washington | 21 | 2.1% |
| Nevada | 10 | 1.0% |
| Illinois | 9 | 0.9% |
| Texas | 9 | 0.9% |
| Florida | 8 | 0.8% |
| New York | 8 | 0.8% |
| Oregon | 8 | 0.8% |
| Pennsylvania | 7 | 0.7% |
| Colorado | 6 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Jose-Sunnyvale-Santa Clara | 274 |
| San Francisco-San Mateo-Redwood City | 259 |
| Oakland-Fremont-Berkeley | 132 |
| Los Angeles-Long Beach-Glendale | 29 |
| Sacramento-Roseville-Folsom | 28 |
| Anaheim-Santa Ana-Irvine | 18 |
| San Diego-Chula Vista-Carlsbad | 16 |
| Santa Cruz-Watsonville | 15 |
| Salinas | 13 |
| Stockton-Lodi | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009Y8ROUG903AQ21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 640880 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513392 | 1991–2017 |
Established 1 January 1959. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Stanford Federal Credit Union's data.
Stanford Federal Credit Union's data
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Stanford Federal 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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