Growing, from a low base
It made 80 loans, up 16% on 2024, against 6% at similar lenders (credit unions making between half and twice as many loans) and 10% across the market. That is still far below the 206 loans of 2021 and the 179 of 2020.
Applications / Mortgage Analytics / Lenders / California / First U.S. Community Credit Union
First U.S. Community Credit Union
Sacramento, CA · Credit union · NCUA · $549 million assets · 80 loans in 2025
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80
loans originated, 2025
119
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First U.S. Community Credit Union lends mostly to refinance and improve homes, and in 2025 its lending grew faster than at most similar lenders.
A refinance and home-improvement lender
Refinances made up 48.8% of its loans and home improvement 21.3%; purchases were 30.0%. All were conventional. Its typical loan, $120,000, was higher than at about two-thirds of peers, whose typical loan was $95,000.
Fewer lower-income borrowers
Low- and moderate-income (LMI) borrowers took 18.8% of its loans, against 30.6% at peers, a lower share than at more than four in five. LMI areas took 7.5%, against 17.4%. Its larger typical loan and its tilt toward refinancing may both play a part. Majority-minority areas, by contrast, took 20.0% of its loans, against 9.2% at peers, more than at about seven in ten.
A small player in Sacramento
In Sacramento-Roseville-Folsom, its largest market and one it has served since 1990, it ranked 199 of 574 lenders. United Wholesale Mortgage led, followed by Rocket Mortgage. All 7 of its metros are in California.
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
80 loans in 2025, against a peak of 206 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First U.S. Community Credit Union took 119 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
48.8% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 48.8% · Purchase 30.0% · Home improvement 21.3%
Conventional 100.0% · of 80 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
1 state, 7 metros, 12 counties
| State | Loans | Share |
|---|---|---|
| California | 80 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 50 |
| Stockton-Lodi | 3 |
| Vallejo | 3 |
| Oakland-Fremont-Berkeley | 2 |
| Chico | 1 |
| Fresno | 1 |
| San Jose-Sunnyvale-Santa Clara | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002R8QX1FQSB8Z06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1016370 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568474 | 2002–2017 |
Established 1 January 1936. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: First U.S. Community Credit Union's data.
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