Applications / Mortgage Analytics / Lenders / California / Pacific Service Credit Union
Concord, CA · Credit union · NCUA · $1.3 billion assets · 657 loans in 2025
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657
loans originated, 2025
1,210
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pacific Service Credit Union is a California credit union lending mostly for home improvement and other purposes, with more than half its loans in majority-minority areas.
Home improvement made up 45.8% of its loans and other purposes 41.2%; refinances were 6.8% and purchases 6.1%. Its typical loan, $105,000, was the same as at similar lenders (credit unions making between half and twice as many loans). Five years before, its typical loan was $305,000 and its volume $274.7 million, against $90.8 million in 2025.
Majority-minority areas took 52.7% of its loans, against 10.8% at similar lenders, higher than about nine in ten of them, and up from 36.0% five years before. LMI (low- and moderate-income) borrowers took 17.8%, against 26.9% at peers. Home-improvement and other-purpose loans go to people who already own homes, which may account for much of that lower LMI share.
Originations rose 7% to 657, against 6% at similar lenders and 10% for the whole market, near the middle of its peers. Its home-purchase denial rate, 4.2%, was lower than the 6.3% at similar lenders.
In San Francisco-Oakland-Fremont, its largest market, it ranked 163 of 606 lenders, with Wells Fargo Bank first. In Fresno it ranked 76 of 409 with an unchanged 0.2%, and in San Luis Obispo-Paso Robles its share rose 0.2 points to 0.2%.
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pacific Service Credit Union took 1,210 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.8% · Other 41.2% · Refinance 6.8% · Purchase 6.1%
Conventional 99.7% · FHA 0.3% · of 657 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 | 655 | 99.7% |
| Nevada | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 208 |
| Fresno | 128 |
| Sacramento-Roseville-Folsom | 69 |
| Vallejo | 38 |
| Stockton-Lodi | 37 |
| San Francisco-San Mateo-Redwood City | 21 |
| San Luis Obispo-Paso Robles | 17 |
| Santa Rosa-Petaluma | 12 |
| San Jose-Sunnyvale-Santa Clara | 10 |
| Modesto | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XR3B6372SESA46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 673299 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568413 | 2000–2017 |
Established 1 January 1936. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Pacific Service Credit Union's data.
Pacific Service Credit Union's data
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Pacific Service 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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