Applications / Mortgage Analytics / Lenders / California / MOCSE Federal Credit Union
Modesto, CA · Credit union · NCUA · $430 million assets · 1 loan in 2025
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1
loans originated, 2025
2
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MOCSE Federal Credit Union, a Modesto credit union with $430 million in assets, reported a single mortgage in 2025, too few to say much about its lending.
It reported one loan in 2025, a home purchase of $185,000, as it did in 2024. Its peers are credit unions making between a quarter and four times as many loans, and the typical one among those 12 made three. With so few loans, its shares of lending to particular borrowers or neighborhoods say nothing useful.
It has reported to the federal mortgage data since 1996. It filed 54 loans in 2018 and 17 in each of 2020 and 2021, then six or fewer in each year since. The figures alone cannot say why the count fell, or whether the credit union lends on homes in ways the record does not capture.
All its lending is in one county around Modesto, where it ranked 300th of 323 lenders in 2025. The local leaders were United Wholesale Mortgage and Rocket Mortgage. For a credit union of its size, that leaves mortgage lending a small sideline in the public record.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MOCSE Federal Credit Union took 2 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 1 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 | 1 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Modesto | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006JV2DB2OI1FI31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 169381 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512805 | 1996–2017 |
Established 1 January 1959. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: MOCSE Federal Credit Union's data.
MOCSE Federal Credit Union's data
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MOCSE 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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