Applications / Mortgage Analytics / Lenders / California / Sea West Coast Guard Federal Credit Union
Oakland, CA · Credit union · NCUA · $386 million assets · 41 loans in 2025
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41
loans originated, 2025
80
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sea West Coast Guard Federal Credit Union, based in Oakland, made 41 home loans in 2025, almost all for purposes other than buying or refinancing a home.
Loans for purposes other than buying, refinancing or improving a home made up 92.7% of its lending; refinancing took 4.9% and purchases 2.4%. Its typical loan was $135,000, against $95,000 at similar lenders (other credit unions making between half and twice as many loans), larger than at about seven in ten of them. Every loan was conventional.
Its originations fell 34% in 2025, to 41 from 62, while similar lenders grew 3% and the whole market 10%. Only about one in ten similar lenders shrank faster. It made 217 loans in 2021. Demand for its main kind of loan may have fallen, or it may have chosen to lend less; the figures do not say which.
Majority-minority neighborhoods took 48.8% of its loans, against 9.3% at similar lenders, more than at nearly nine in ten of them. On 41 loans, a few loans move that figure, but it has been high for years: 45.2% a year earlier.
Its loans reached 18 metros in 2 states. It has lent around San Francisco, Los Angeles and San Diego since at least 1990, and around Seattle since 1992. In San Francisco-Oakland it ranks 387 of 606 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sea West Coast Guard Federal Credit Union took 80 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 92.7% · Refinance 4.9% · Purchase 2.4%
Conventional 100.0% · of 41 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 | 38 | 92.7% |
| Washington | 3 | 7.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 15 |
| San Diego-Chula Vista-Carlsbad | 5 |
| Los Angeles-Long Beach-Glendale | 3 |
| San Francisco-San Mateo-Redwood City | 3 |
| Anaheim-Santa Ana-Irvine | 2 |
| Everett | 1 |
| Oxnard-Thousand Oaks-Ventura | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Sacramento-Roseville-Folsom | 1 |
| Salinas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001P38O8QXGI6503 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 579887 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512814 | 1990–2017 |
Established 1 January 1959. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sea West Coast Guard Federal Credit Union's data.
Sea West Coast Guard Federal Credit Union's data
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Sea West Coast Guard Federal 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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