Applications / Mortgage Analytics / Lenders / California / Members 1st Credit Union
Redding, CA · Credit union · NCUA · $359 million assets · 49 loans in 2025
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49
loans originated, 2025
97
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members 1st Credit Union, of Redding, California, is a small lender of refinances and home-improvement loans in two northern California markets.
Refinances made up 53.1% of its 49 loans and home improvement 36.7%; purchases were only 10.2%. Its typical loan was $65,000, smaller than at about four in five similar lenders (credit unions making between half and twice as many loans), whose typical loan was $92,500.
Its typical rate was 7.99%, against 6.75% at peers. The smaller refinance and home-improvement loans that dominate its book may explain much of that. Only 2.1% of its loans were higher-priced (a rate well above the average for similar loans), against 3.4% at peers.
It ranks 45 of 249 lenders in Redding, its largest market, but its share fell from 0.5% to 0.4%. One possible reason is size: its small loans count for little in a market measured in dollars, and its loans fell 27% in 2025 while peers grew 5%. In Chico its share rose from 0.1% to 0.2%, and it ranks 83 of 255.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Members 1st Credit Union took 97 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.1% · Home improvement 36.7% · Purchase 10.2%
Conventional 100.0% · of 49 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 | 49 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Redding | 31 |
| Chico | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006MW6O2CE88BD43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 648895 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562677 | 2012–2017 |
Established 1 January 1936. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Members 1st Credit Union's data.
Members 1st Credit Union's data
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Members 1st 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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