Applications / Mortgage Analytics / Lenders / California / Provident Credit Union
Redwood City, CA · Credit union · NCUA · $3.6 billion assets · 712 loans in 2025
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712
loans originated, 2025
865
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Provident Credit Union is a California jumbo lender: 25.8% of its 712 loans in 2025 were jumbo loans (larger than the conforming limit), against 0.8% at similar credit unions.
Its jumbo share was higher than at nearly all similar lenders (credit unions making between half and twice as many loans), and its typical loan was $250,000, against $105,000. All its lending is in California, where its largest markets are San Francisco-Oakland-Fremont and San Jose-Sunnyvale-Santa Clara.
62.6% of its loans went to majority-minority areas, against 10.4% at similar lenders, higher than more than nine in ten of them, and up from 51.7% five years before. Its share to low- and moderate-income (LMI) areas, 14.4%, was near the middle.
18.2% of its loans went to LMI borrowers, against 27.3% at similar lenders, lower than about five in six of them. One possible reason is its loan size: a lender making many jumbo loans serves more borrowers with higher incomes.
Home improvement made up 48.3% of its loans and refinance 12.1%. It turned down 0.8% of first-lien purchase applications, against 6.3% at similar lenders, among the lowest tenth, and made no higher-priced loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Provident Credit Union took 865 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 48.3% · Purchase 39.6% · Refinance 12.1%
Conventional 100.0% · of 712 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 | 712 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 286 |
| San Jose-Sunnyvale-Santa Clara | 137 |
| San Francisco-San Mateo-Redwood City | 111 |
| Sacramento-Roseville-Folsom | 47 |
| Stockton-Lodi | 28 |
| Vallejo | 11 |
| Salinas | 10 |
| Los Angeles-Long Beach-Glendale | 7 |
| Santa Cruz-Watsonville | 6 |
| Santa Rosa-Petaluma | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900P2JMSUZCYLE858 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 629090 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566343 | 1990–2017 |
Established 1 January 1950. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Provident Credit Union's data.
Provident Credit Union's data
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Provident 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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