Applications / Mortgage Analytics / Lenders / California / Bay Federal Credit Union / Competition
Bay Federal Credit Union
Capitola, CA · Credit union · NCUA · $1.9 billion assets · 553 loans in 2025
Bay Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
553
loans originated, 2025
891
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who Bay Federal Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — SANTA CRUZ-WATSONVILLE, CA, 2025
Bay Federal Credit Union ranks 5th of 271 lenders in Santa Cruz-Watsonville, CA, with $117.4M lent: 5.6% of a $2.11B market.
Santa Cruz-Watsonville, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — SALINAS, CA, 2025
Bay Federal Credit Union ranks 22nd of 300 lenders in Salinas, CA, with $24.9M lent: 1.0% of a $2.47B market.
Salinas, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — SAN JOSE-SUNNYVALE-SANTA CLARA, CA, 2025
Bay Federal Credit Union ranks 225th of 459 lenders in San Jose-Sunnyvale-Santa Clara, CA, with $5.4M lent: 0.0% of a $28.74B market.
San Jose-Sunnyvale-Santa Clara, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — MERCED, CA, 2025
Bay Federal Credit Union ranks 74th of 260 lenders in Merced, CA, with $2.2M lent: 0.2% of a $1.06B market.
Merced, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — SACRAMENTO-ROSEVILLE-FOLSOM, CA, 2025
Bay Federal Credit Union ranks 361st of 574 lenders in Sacramento-Roseville-Folsom, CA, with $2.1M lent: 0.0% of a $20.30B market.
Sacramento-Roseville-Folsom, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — REDDING, CA, 2025
Bay Federal Credit Union ranks 200th of 249 lenders in Redding, CA, with $275K lent: 0.0% of a $919.8M market.
Redding, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Bay Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — CHICO, CA, 2025
Bay Federal Credit Union ranks 207th of 255 lenders in Chico, CA, with $285K lent: 0.0% of a $1.11B market.
Chico, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Bay Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — EL CENTRO, CA, 2025
Bay Federal Credit Union ranks 146th of 171 lenders in El Centro, CA, with $155K lent: 0.0% of a $519.8M market.
El Centro, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Bay Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 57% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
Bay Federal Credit Union's data
$215
Bay 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.
Buy Bay Federal 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]