Applications / Mortgage Analytics / Lenders / California / Heritage Community Credit Union / Competition
Heritage Community Credit Union
Fair Oaks, CA · Credit union · NCUA · $278 million assets · 84 loans in 2025
Heritage Community Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
84
loans originated, 2025
121
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who Heritage Community 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 — SACRAMENTO-ROSEVILLE-FOLSOM, CA, 2025
Heritage Community Credit Union ranks 191st of 574 lenders in Sacramento-Roseville-Folsom, CA, with $10.6M lent: 0.1% 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 Heritage Community 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. 2 — SAN FRANCISCO-OAKLAND-FREMONT, CA, 2025
Heritage Community Credit Union ranks 467th of 606 lenders in San Francisco-Oakland-Fremont, CA, with $1.4M lent: 0.0% 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 Heritage Community 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. 3 — SANTA CRUZ-WATSONVILLE, CA, 2025
Heritage Community Credit Union ranks 234th of 271 lenders in Santa Cruz-Watsonville, CA, with $405K lent: 0.0% of a $2.11B market.
Santa Cruz-Watsonville, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Community 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 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — STOCKTON-LODI, CA, 2025
Heritage Community Credit Union ranks 354th of 401 lenders in Stockton-Lodi, CA, with $335K lent: 0.0% of a $5.50B market.
Stockton-Lodi, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Community 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. 5 — RIVERSIDE-SAN BERNARDINO-ONTARIO, CA, 2025
Heritage Community Credit Union ranks 681st of 707 lenders in Riverside-San Bernardino-Ontario, CA, with $205K lent: 0.0% of a $34.32B market.
Riverside-San Bernardino-Ontario, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Community 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 — MODESTO, CA, 2025
Heritage Community Credit Union ranks 311th of 323 lenders in Modesto, CA, with $105K lent: 0.0% of a $2.55B market.
Modesto, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Heritage Community 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 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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