Applications / Mortgage Analytics / Lenders / California / Premierone Credit Union
San Jose, CA · Credit union · NCUA · $650 million assets · 206 loans in 2025
Premierone Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
206
loans originated, 2025
315
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Premierone Credit Union seldom lends to buy homes; most of its loans are for other purposes, and it made 30% more loans in 2025 than in 2024.
Other-purpose loans made up 84.0% of its lending and home purchases only 5.3%. Every loan was conventional. Its typical loan was $205,000, larger than at about nine in ten similar lenders (credit unions making between half and twice as many loans), where it was $105,000.
It made 206 loans in 2025, up from 158. That was faster growth than at about three in four similar lenders, which typically grew by 7%. It is back near its 2021 level of 207. The money it lent rose to $54.5 million.
Majority-minority neighborhoods took 68.3% of its loans, against 10.4% at similar lenders, higher than at about nine in ten of them. All its lending is in California. Its largest market is San Jose-Sunnyvale-Santa Clara, where it ranks 82 of 459 lenders, and the make-up of that market's neighborhoods may account for much of the share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Premierone Credit Union took 315 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 84.0% · Refinance 10.7% · Purchase 5.3%
Conventional 100.0% · of 206 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 | 99.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Jose-Sunnyvale-Santa Clara | 131 |
| Oakland-Fremont-Berkeley | 21 |
| San Francisco-San Mateo-Redwood City | 11 |
| Sacramento-Roseville-Folsom | 10 |
| Santa Cruz-Watsonville | 7 |
| Modesto | 5 |
| Stockton-Lodi | 5 |
| Salinas | 4 |
| Merced | 3 |
| Santa Rosa-Petaluma | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900S7X9G17L8QBB81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 197384 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518704 | 1990–2005 |
| Respondent ID (the HMDA filer code before 2018) | 568540 | 2006–2017 |
Established 1 January 1968. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Premierone Credit Union's data.
Premierone Credit Union's data
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Premierone 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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