Applications / Mortgage Analytics / Lenders / California / Mission City Federal Credit Union
Santa Clara, CA · Credit union · NCUA · $159 million assets · 79 loans in 2025
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79
loans originated, 2025
79
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mission City Federal Credit Union is chiefly a home-improvement lender, and one of the faster-growing credit unions of its size.
Home improvement made up 48.1% of its loans and refinancing 39.2%; purchases were only 8.9%. Its typical loan, $155,000, was above the $95,000 of similar lenders (credit unions making between half and twice as many loans) and larger than about four in five of them.
Its loans rose 36%, to 79 from 58, while similar credit unions grew 6%. That is faster than about four in five of them. It made only 8 loans in 2018 and filed no report for 2020 to 2022, gaps in the record rather than years without lending. In 2025 it first lent in Merced, Santa Rosa-Petaluma and Salinas, though its share in each rounds to nothing.
Majority-minority neighborhoods took 64.9% of its loans, against 9.3% at similar credit unions, a higher share than about nine in ten. Low- and moderate-income (LMI) neighborhoods took 23.4%, against 17.4%. Both may reflect where its members live: its largest market is San Jose-Sunnyvale-Santa Clara, where it ranked 173 of 459 lenders.
Its typical rate was 6.50%, down from 7.50% in 2024 and below the 6.75% of similar credit unions, lower than about two-thirds of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Mission City Federal Credit Union took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 48.1% · Refinance 39.2% · Purchase 8.9% · Other 3.8%
Conventional 100.0% · of 79 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 | 77 | 97.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Jose-Sunnyvale-Santa Clara | 50 |
| Santa Cruz-Watsonville | 4 |
| Modesto | 3 |
| Oakland-Fremont-Berkeley | 3 |
| Sacramento-Roseville-Folsom | 3 |
| Stockton-Lodi | 3 |
| Merced | 2 |
| San Francisco-San Mateo-Redwood City | 2 |
| Los Angeles-Long Beach-Glendale | 1 |
| Salinas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006VWQC6XCFQO747 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 694986 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513131 | 2002–2017 |
Established 1 January 1959. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Mission City Federal Credit Union's data.
Mission City Federal Credit Union's data
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