Applications / Mortgage Analytics / Lenders / California / San Diego County Credit Union
San Diego, CA · Credit union · NCUA · $9.3 billion assets · 450 loans in 2025
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450
loans originated, 2025
940
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
San Diego County Credit Union has turned into a home-improvement lender, and a much smaller one: it made 450 loans in 2025, against 3,804 in 2022.
Its loan count fell 21% in 2025, while similar lenders (credit unions making between half and twice as many loans) grew 6% and the whole market 10%. That put its change among the lowest tenth of its peers. The steepest drop came earlier, from 3,804 loans in 2022 to 874 in 2023. A move away from purchase lending, now 7.3% of its loans, could explain much of it, as could a change in which loans it reports; the public figures do not say which.
Even so, the amount it lent rose from $74.4 million to $91.8 million. Jumbo loans (larger than the conforming limit) may account for that: they were 12.2% of its loans, up from 0.0% in 2024, against 0.5% at peers.
Its typical rate was 8.50%, against 7.00% at similar lenders, higher than nearly all of them. Home improvement made up 52.2% of its loans. Such loans usually carry higher rates than first mortgages, which may explain the gap.
Areas where most residents belong to minority groups took 40.9% of its loans, against 11.1% at similar lenders, more than at about four in five of them. In San Diego-Chula Vista-Carlsbad, where it has lent since 1991, it ranked 88 of 639 lenders with 0.2% of the market, unchanged.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. San Diego County Credit Union took 940 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 52.2% · Refinance 23.3% · Other 17.1% · Purchase 7.3%
Conventional 100.0% · of 450 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 | 450 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Diego-Chula Vista-Carlsbad | 370 |
| Riverside-San Bernardino-Ontario | 57 |
| Anaheim-Santa Ana-Irvine | 16 |
| Los Angeles-Long Beach-Glendale | 2 |
| Oakland-Fremont-Berkeley | 1 |
| Sacramento-Roseville-Folsom | 1 |
| San Jose-Sunnyvale-Santa Clara | 1 |
| Santa Cruz-Watsonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E51HYVR7T2SU19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 301190 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561004 | 1990–2017 |
Established 1 January 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: San Diego County Credit Union's data.
San Diego County Credit Union's data
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San Diego County 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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