Applications / Mortgage Analytics / Lenders / California / Mirastar Federal Credit Union
San Jose, CA · Credit union · NCUA · $1.0 billion assets · 205 loans in 2025
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205
loans originated, 2025
331
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mirastar Federal Credit Union hardly lends to buy homes at all. Most of its California loans pay for home improvements or other purposes, and 82.4% go to majority-minority neighborhoods.
Home improvement made up 45.4% of its 205 loans and other purposes 39.0%. Purchases were just 3.9%, and every loan was conventional. Its typical loan, $155,000, was larger than at about three in four similar lenders (credit unions making between half and twice as many loans).
Some 82.4% of its loans were in majority-minority areas, against 10.8% at similar lenders, a higher share than nearly all of them. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 27.5%, against 16.8%. That may simply reflect where it lends. Its biggest market is San Jose-Sunnyvale-Santa Clara, where it ranks 97 of 459.
In 2020 its typical loan was $425,000 and 7.1% of its loans were jumbo (larger than the conforming limit). By 2025 the typical loan had fallen to $155,000 and it made no jumbo loans at all. Dollar volume shrank from $121.3 million to $43.7 million.
Originations fell 5%, from 216 to 205, while similar lenders grew 7%. With so few purchase loans, its volume may rise and fall with members' appetite for home projects, which can shift from year to year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mirastar Federal Credit Union took 331 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.4% · Other 39.0% · Refinance 11.7% · Purchase 3.9%
Conventional 100.0% · of 205 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 | 205 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Jose-Sunnyvale-Santa Clara | 143 |
| Stockton-Lodi | 17 |
| Oakland-Fremont-Berkeley | 13 |
| Sacramento-Roseville-Folsom | 7 |
| Merced | 6 |
| Salinas | 4 |
| Santa Cruz-Watsonville | 4 |
| Modesto | 3 |
| Chico | 1 |
| Napa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MD3D3OC2CSGX39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 438797 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524299 | 1990–2017 |
Established 1 January 1950. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Mirastar Federal Credit Union's data.
Mirastar Federal Credit Union's data
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Mirastar 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.
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