Applications / Mortgage Analytics / Lenders / California / Excite Credit Union
San Jose, CA · Credit union · NCUA · $618 million assets · 29 loans in 2025
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29
loans originated, 2025
52
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Excite Credit Union, a San Jose credit union, made 29 home loans in 2025, a sliver of the 373 it made in 2020, after its lending almost stopped in 2023 and 2024.
It made 373 home loans in 2020, 257 in 2021 and 177 in 2022. Then the count dropped to 12 in 2023 and 8 in 2024. The 29 loans of 2025 are a rise of 262%, faster than almost every similar lender (credit unions making between half and twice as many loans), whose lending fell 3% in the typical case. From so low a base, that rise says little; its filings do not say why lending fell so far, or why it is returning.
It lends in 2 states. In San Jose-Sunnyvale-Santa Clara, where it has reported since 2001, it ranks 206 of 459 lenders. It also lends in Wilmington, North Carolina, where it ranks 168 of 538, and in non-metro North Carolina. In 2025 North Carolina, not California, was its main state.
Purchases made up most of its 2025 loans, and all of them were conventional, with no government-backed lending or manufactured homes. With 29 loans, its loan sizes, rates and the share going to poorer neighborhoods can swing on a handful of cases. They say little yet about how it compares with similar 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Excite Credit Union took 52 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.0% · Refinance 27.6% · Home improvement 3.4%
Conventional 100.0% · of 29 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 |
|---|---|---|
| North Carolina | 15 | 51.7% |
| California | 14 | 48.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wilmington | 13 |
| San Jose-Sunnyvale-Santa Clara | 9 |
| Oakland-Fremont-Berkeley | 3 |
| Bakersfield-Delano | 1 |
| Sacramento-Roseville-Folsom | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DFCG6GF21KOW34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 550288 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568441 | 2001–2017 |
Established 1 January 1952. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Excite Credit Union's data.
Excite Credit Union's data
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Excite 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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