Applications / Mortgage Analytics / Lenders / California / North Bay Credit Union
Santa Rosa, CA · Credit union · NCUA · $114 million assets · 20 loans in 2025
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20
loans originated, 2025
38
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Bay Credit Union, of Santa Rosa, California, is a small credit union whose 20 home loans in 2025 went mostly to manufactured homes.
Manufactured homes accounted for 70.0% of its 20 loans in 2025. The typical similar lender, a credit union making between half and twice as many loans, made none. Its loans split evenly between purchases and refinances, and all were conventional.
Its typical rate was 8.75%, unchanged from 2024, against 6.75% at similar lenders. Most of its loans, 72.2%, were higher-priced (a rate well above the average for similar loans). Its manufactured-home lending may account for much of that; with 20 loans, the figures are too few to read much more into.
It lends across 9 metros and 11 counties, all in California, and entered San Diego-Chula Vista-Carlsbad in 2025. At home in Santa Rosa-Petaluma it ranked 167 of 330 lenders, where United Wholesale Mortgage and Redwood Credit Union led.
It filed no report for 2018 or for 2020 to 2022; those are gaps, not years without lending. It made 20 loans in 2025, down 31% from 29, while similar lenders fell 5%.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. North Bay Credit Union took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 50.0%
Conventional 100.0% · of 20 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 | 20 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Santa Rosa-Petaluma | 10 |
| Anaheim-Santa Ana-Irvine | 1 |
| Oakland-Fremont-Berkeley | 1 |
| Oxnard-Thousand Oaks-Ventura | 1 |
| Redding | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Sacramento-Roseville-Folsom | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
| Vallejo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZPP46PTHQ2RF22 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 506191 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563373 | 1990–2010 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: North Bay Credit Union's data.
North Bay Credit Union's data
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North Bay 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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