Applications / Mortgage Analytics / Lenders / California / Yolo Federal Credit Union
Woodland, CA · Credit union · NCUA · $407 million assets · 51 loans in 2025
Yolo Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
51
loans originated, 2025
96
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Yolo Federal Credit Union, of Woodland, California, makes more than half its loans in majority-minority neighborhoods, and is a much smaller lender of much smaller loans than it was five years before.
Some 56.5% of its loans went to majority-minority neighborhoods, against 9.8% at similar lenders (credit unions making between half and twice as many loans), higher than at nine in ten. Its share of low- and moderate-income borrowers, 19.6%, was lower than at four in five, which may simply mean it lends in mixed-income areas. With 51 loans, a few move these shares.
It made 352 loans in 2020 and 51 in 2025. Its typical loan then was $255,000 and 12.6% were jumbo (larger than the conforming limit); now the typical loan is $105,000 and none is jumbo. Loans for other purposes make up 62.7% of its book, refinances 27.5% and purchases 9.8%.
Its loans rose 13%, from 45, a little faster than the 6% at similar lenders. Its typical rate, 6.62%, was near the middle of its peers. It has lent in the Sacramento market since at least 1990 and ranks 243 of 574 there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Yolo Federal Credit Union took 96 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 62.7% · Refinance 27.5% · Purchase 9.8%
Conventional 100.0% · of 51 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 | 51 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 45 |
| Vallejo | 3 |
| Yuba City | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900EHOJ91PS23E696 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 286680 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59293 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Yolo Federal Credit Union's data.
Yolo Federal Credit Union's data
$215
Yolo 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.
Buy Yolo Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]