Applications / Mortgage Analytics / Lenders / California / Monterey Credit Union
Monterey, CA · Credit union · STATE · $357 million assets · 1 loan in 2025
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1
loans originated, 2025
5
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Monterey Credit Union, a credit union with $357 million in assets, reported one mortgage in 2025, too few to say much about its home lending.
Its single loan in 2025 was a refinance of $225,000. It reported three loans 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. One loan says nothing useful about whom it lends to or at what price.
It has reported to the federal mortgage data since 1999. It filed 61 loans in 2021 and 44 in 2020, then 14 in 2022 and no more than three a 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 reported lending is in one county, in the Salinas metro, where it ranked 273rd of 300 lenders in 2025. Its share there slipped by 0.2 points to near zero, a change that means little with so few loans. United Wholesale Mortgage and Rocket Mortgage led the local market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Monterey Credit Union took 5 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 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 |
|---|---|
| Salinas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490007ROE3S0978636 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 940188 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 597071 | 1999–2017 |
Established 1 January 1968. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Monterey Credit Union's data.
Monterey Credit Union's data
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Monterey 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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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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