Applications / Mortgage Analytics / Lenders / California / 1st Northern California Credit Union
Martinez, CA · Credit union · NCUA · $808 million assets · 102 loans in 2025
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102
loans originated, 2025
183
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st Northern California Credit Union made 36% more loans in 2025, most of them refinances, and its typical loan rose to $330,000 from $85,000.
It made 102 loans, up from 75, while similar lenders (credit unions making between half and twice as many loans) grew 8% and the whole market 10%. Refinances were 65.7% of its loans. Its dollar volume rose to $46.4 million from $11.5 million, more than nearly all similar lenders lent.
Its typical loan was $330,000, against $95,000 at similar lenders. The jump may reflect how much of its 2025 lending was refinancing. Its typical rate, 5.88%, was lower than about nine in ten similar lenders', and none of its loans were higher-priced (a rate well above the average for similar loans).
Of its loans, 45.1% went to majority-minority areas, against 9.3% at similar lenders. But only 17.6% went to low- and moderate-income (LMI) borrowers, against 29.9%, lower than more than eight in ten similar lenders. Its mix may be one reason: large refinances for existing owners, rather than the smaller loans most similar credit unions make.
It has lent in San Francisco-Oakland-Fremont and Vallejo since 1990, yet ranks 150 of 606 lenders in the first and 161 of 363 in the second. Wells Fargo Bank leads San Francisco-Oakland-Fremont; United Wholesale Mortgage leads Vallejo.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 1st Northern California Credit Union took 183 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 65.7% · Home improvement 11.8% · Purchase 11.8% · Other 10.8%
Conventional 100.0% · of 102 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 | 102 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 80 |
| Vallejo | 7 |
| Sacramento-Roseville-Folsom | 4 |
| Santa Rosa-Petaluma | 2 |
| Stockton-Lodi | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| Chico | 1 |
| Oxnard-Thousand Oaks-Ventura | 1 |
| San Francisco-San Mateo-Redwood City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PUF6BDR1QRB167 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 11387 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56333 | 1990–2014 |
| Respondent ID (the HMDA filer code before 2018) | 568668 | 2015–2017 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: 1st Northern California Credit Union's data.
1st Northern California Credit Union's data
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1st Northern California 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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