Applications / Mortgage Analytics / Lenders / California / Sacramento Credit Union
Sacramento, CA · Credit union · NCUA · $838 million assets · 235 loans in 2025
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235
loans originated, 2025
367
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sacramento Credit Union, a California credit union, makes 43.8% of its loans in majority-minority neighborhoods, against 11.9% at similar lenders, and lends more for home improvement and other purposes than for purchases.
Other purposes made up 31.5% of its loans and home improvement 27.2%; purchases were 21.3%. All were conventional. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans), but its total, $47.8 million, was larger than about two-thirds of theirs.
Its majority-minority share was higher than at about four in five similar lenders. Low- and moderate-income (LMI) neighborhoods took 19.1% of its loans, against 16.3%. Its share to LMI borrowers rose to 25.1% from 12.7% in 2024.
It first reported in Sacramento-Roseville-Folsom in 1996. It ranked 88 of 574 lenders there, with an unchanged 0.2% of the market; United Wholesale Mortgage led. Its typical rate, 6.99%, was near the middle of its peers.
It made 508 loans in 2020 and 235 in 2025, less than half as many. Its count fell 4% in 2025 while similar lenders grew 6% and the whole market 10%. Fewer refinances, now 20.0% of its loans, could explain part of the drop since 2020, as could a turn toward smaller home-improvement and other-purpose loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sacramento Credit Union took 367 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 31.5% · Home improvement 27.2% · Purchase 21.3% · Refinance 20.0%
Conventional 100.0% · of 235 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 | 235 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 215 |
| Stockton-Lodi | 4 |
| Oakland-Fremont-Berkeley | 3 |
| Vallejo | 3 |
| Yuba City | 2 |
| Fresno | 1 |
| Modesto | 1 |
| San Rafael | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z66NI4HM439O26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 734293 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562641 | 1996–2017 |
Established 1 January 1935. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Sacramento Credit Union's data.
Sacramento Credit Union's data
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Sacramento 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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