Applications / Mortgage Analytics / Lenders / California / CommonWealth Central Credit Union
San Jose, CA · Credit union · NCUA · $617 million assets · 154 loans in 2025
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154
loans originated, 2025
286
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CommonWealth Central Credit Union, a California credit union, makes no home-purchase loans at all, and its lending rose 26% to 154 loans in 2025.
Home-improvement loans made up 44.8% of its lending, other purposes 30.5% and refinances 24.7%. Every loan was conventional, and none was jumbo (larger than the conforming limit). Its typical loan was $205,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at about nine in ten of them.
Its loans rose 26% from 122, against 8% at similar lenders and 10% in the whole market, faster than at about seven in ten peers. It made only 28 loans in 2022 and 33 in 2023, so most of the rise came in 2024. Its dollar volume, $37.1 million, was higher than at about four in five peers.
Majority-minority neighborhoods received 76.6% of its loans, against 9.9% at similar lenders, more than at nearly all of them. That may reflect where its members live, in San Jose and the other California markets it serves. Its share of loans to low- and moderate-income (LMI) borrowers, 26.6%, was near the middle.
In San Jose-Sunnyvale-Santa Clara, where it has lent since 1992, it ranks 101 of 459 lenders. Its share, 0.1%, was unchanged from the year before. Wells Fargo Bank and Bank of America lead there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CommonWealth Central Credit Union took 286 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.8% · Other 30.5% · Refinance 24.7%
Conventional 100.0% · of 154 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 | 154 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Jose-Sunnyvale-Santa Clara | 114 |
| Oakland-Fremont-Berkeley | 14 |
| Merced | 4 |
| Riverside-San Bernardino-Ontario | 3 |
| Sacramento-Roseville-Folsom | 3 |
| Salinas | 3 |
| San Francisco-San Mateo-Redwood City | 3 |
| Fresno | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| Los Angeles-Long Beach-Glendale | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004W7ZN0N715U578 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 37994 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561741 | 1992–2017 |
Established 1 January 1958. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: CommonWealth Central Credit Union's data.
CommonWealth Central Credit Union's data
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CommonWealth Central 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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