Applications / Mortgage Analytics / Lenders / California / Community First Credit Union
Santa Rosa, CA · Credit union · NCUA · $915 million assets · 160 loans in 2025
Community First Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
160
loans originated, 2025
254
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community First Credit Union is a manufactured-home lender: 41.2% of its loans were on such homes, where similar credit unions typically make none.
Of its 160 loans, 41.2% were on manufactured homes, higher than at nearly all similar lenders (credit unions making between half and twice as many loans). Refinances made up 76.3% of its loans. Its typical loan, $115,000, was close to peers' $105,000.
Some 25.7% of its loans were higher-priced (a rate well above the average for similar loans), against 2.2% at peers. Its typical rate was 7.75%, against 6.75%. Manufactured-home loans commonly carry higher rates than loans on site-built homes, and with that share of its book they could account for most of the difference.
Low- and moderate-income (LMI) borrowers took 45.6% of its loans, against 28.4% at similar lenders, higher than at about nine in ten. LMI tracts took 21.9%, against 17.2%.
It made 160 loans in 2025, up from 153 but far below 478 in 2020. Its dollar total fell further, from $145.8 million to $24.2 million, perhaps because its loans got smaller: the typical one was $295,000 in 2020. It merged with Vocality Community Credit Union in 2025, whose filings count in its competition figures. That may partly explain why its Santa Rosa-Petaluma share rose to 0.4% from 0.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community First Credit Union took 254 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 76.3% · Purchase 23.8%
Conventional 100.0% · of 160 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 | 160 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Santa Rosa-Petaluma | 88 |
| Napa | 11 |
| Oakland-Fremont-Berkeley | 1 |
| Redding | 1 |
| Salinas | 1 |
| Vallejo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300767F7CDUJR8Q67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 649397 | 2004–2017 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 64897 | 2018–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567895 | 2001–2017 |
Established 1 January 1959. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Community First Credit Union's data.
Community First Credit Union's data
$215
Community First 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 Community First 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]