Applications / Mortgage Analytics / Lenders / California / BluPeak Credit Union
San Diego, CA · Credit union · NCUA · $1.1 billion assets · 26 loans in 2025
BluPeak Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
26
loans originated, 2025
50
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BluPeak Credit Union, a San Diego credit union with $1.1 billion in assets, has become a minor mortgage lender: 26 loans in 2025, against 447 in 2020.
Its loans dropped from 367 in 2021 to 120 in 2022 and then to 12 in 2023. They recovered to 39 in 2024 before falling 33% to 26 in 2025. Similar lenders, credit unions making between half and twice as many loans, slipped 5%, and the whole market grew 10%. Its record gives no reason for the collapse; whether it chose to step back from mortgages is an open question.
Its typical loan was $315,000, against $95,000 at similar lenders, larger than at nearly all of them. It was $365,000 in 2020, so its loans have not shrunk with its volume. All its loans were conventional, and it made no higher-priced loans.
It has lent in Sacramento, San Diego and Riverside since 1990, and in each its share now rounds to zero. In Sacramento, its largest market, it ranked 338 of 574 lenders, behind United Wholesale Mortgage and Rocket Mortgage at the top. It entered Eugene, Oregon in 2025.
Half its 26 loans were refinances. On so few loans, its shares of lending to poorer borrowers or to majority-minority neighborhoods can swing sharply from one year to the next, and say little.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BluPeak Credit Union took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.0% · Purchase 30.8% · Home improvement 15.4% · Other 3.8%
Conventional 100.0% · of 26 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 | 25 | 96.2% |
| Oregon | 1 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Diego-Chula Vista-Carlsbad | 9 |
| Sacramento-Roseville-Folsom | 7 |
| Oakland-Fremont-Berkeley | 4 |
| Riverside-San Bernardino-Ontario | 2 |
| Eugene-Springfield | 1 |
| Modesto | 1 |
| Oxnard-Thousand Oaks-Ventura | 1 |
| San Francisco-San Mateo-Redwood City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300730ZNSQK9EBT50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 243197 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560801 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BluPeak Credit Union's data.
BluPeak Credit Union's data
$215
BluPeak 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 BluPeak 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]