Applications / Mortgage Analytics / Lenders / California / MERCO Credit Union / Competition
MERCO Credit Union
Merced, CA · Credit union · NCUA · $207 million assets · 10 loans in 2025
MERCO Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
10
loans originated, 2025
20
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who MERCO Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — MERCED, CA, 2025
MERCO Credit Union ranks 142nd of 260 lenders in Merced, CA, with $845K lent: 0.1% of a $1.06B market.
Merced, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and MERCO Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO CALIFORNIA, 2025
MERCO Credit Union ranks 426th of 456 lenders in non-metro California, with $220K lent: 0.0% of a $4.39B market.
non-metro California is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and MERCO Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — FRESNO, CA, 2025
MERCO Credit Union ranks 400th of 409 lenders in Fresno, CA, with $65K lent: 0.0% of a $5.72B market.
Fresno, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and MERCO Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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.
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