Applications / Mortgage Analytics / Lenders / California / Heritage Community Credit Union
Fair Oaks, CA · Credit union · NCUA · $278 million assets · 84 loans in 2025
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84
loans originated, 2025
121
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Community Credit Union, of Fair Oaks, California, makes home loans almost entirely for purposes other than buying or refinancing, and in 2025 it made 65% more loans than a year before.
Some 90.5% of its loans were for other purposes, with 8.3% for home purchase and 1.2% for refinancing. Its typical loan, $105,000, was close to the $95,000 at similar credit unions (those making between half and twice as many loans). None of its loans was higher-priced (carrying a rate well above the average for similar loans), against 3.4% at peers.
Its loans rose from 51 to 84, an increase of 65%, against 7% at the typical peer and 10% for the whole market; that was faster than about nine in ten similar credit unions. It remains below the 149 loans it made in 2020. It also bought 21 loans from other lenders, something few peers do.
Some 30.9% of its loans went to majority-minority neighborhoods, against 9.1% at similar credit unions and up from 21.6% a year before. Its lending sits in California metros, Sacramento chief among them, and the share may reflect where its members live. Its share to low- and moderate-income borrowers, 27.4%, was near the 30.2% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heritage Community Credit Union took 121 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 90.5% · Purchase 8.3% · Refinance 1.2%
Conventional 100.0% · of 84 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 | 84 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 76 |
| Stockton-Lodi | 3 |
| San Francisco-San Mateo-Redwood City | 2 |
| Modesto | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Santa Cruz-Watsonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P7QM2ETZZY0323 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 297387 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568395 | 2000–2017 |
Established 1 January 1953. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Heritage Community Credit Union's data.
Heritage Community Credit Union's data
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Heritage Community 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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