Applications / Mortgage Analytics / Lenders / California / 1st Northern California Credit Union / Competition
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
Who 1st Northern California Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — SAN FRANCISCO-OAKLAND-FREMONT, CA, 2025
1st Northern California Credit Union ranks 150th of 606 lenders in San Francisco-Oakland-Fremont, CA, with $39.2M lent: 0.1% of a $52.26B market.
San Francisco-Oakland-Fremont, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st Northern California Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — VALLEJO, CA, 2025
1st Northern California Credit Union ranks 161st of 363 lenders in Vallejo, CA, with $2.3M lent: 0.1% of a $3.45B market.
Vallejo, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st Northern California Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — SACRAMENTO-ROSEVILLE-FOLSOM, CA, 2025
1st Northern California Credit Union ranks 434th of 574 lenders in Sacramento-Roseville-Folsom, CA, with $1.1M lent: 0.0% of a $20.30B market.
Sacramento-Roseville-Folsom, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st Northern California Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — SANTA ROSA-PETALUMA, CA, 2025
1st Northern California Credit Union ranks 222nd of 330 lenders in Santa Rosa-Petaluma, CA, with $1.0M lent: 0.0% of a $4.19B market.
Santa Rosa-Petaluma, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st Northern California Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — LOS ANGELES-LONG BEACH-ANAHEIM, CA, 2025
1st Northern California Credit Union ranks 657th of 757 lenders in Los Angeles-Long Beach-Anaheim, CA, with $885K lent: 0.0% of a $114.28B market.
Los Angeles-Long Beach-Anaheim, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st Northern California Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CHICO, CA, 2025
1st Northern California Credit Union ranks 241st of 255 lenders in Chico, CA, with $105K lent: 0.0% of a $1.11B market.
Chico, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and 1st Northern California Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — OXNARD-THOUSAND OAKS-VENTURA, CA, 2025
1st Northern California Credit Union ranks 399th of 422 lenders in Oxnard-Thousand Oaks-Ventura, CA, with $235K lent: 0.0% of a $6.98B market.
Oxnard-Thousand Oaks-Ventura, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and 1st Northern California Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — NON-METRO CALIFORNIA, 2025
1st Northern California Credit Union ranks 313th of 456 lenders in non-metro California, with $735K lent: 0.0% of a $4.39B market.
non-metro California is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and 1st Northern California Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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