Applications / Mortgage Analytics / Lenders / California / San Joaquin Power Employees Credit Union
Fresno, CA · Credit union · NCUA · $179 million assets · 32 loans in 2025
San Joaquin Power Employees Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
32
loans originated, 2025
46
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
San Joaquin Power Employees Credit Union, a small Fresno credit union, lends more to refinance than to buy homes, in larger amounts and at lower rates than similar credit unions.
Refinances made up 43.8% of its 32 loans in 2025 and other purposes 25.0%; home purchases were 21.9%. All were conventional. It lent in 10 metros across California, though Fresno, where it ranked 177 of 409 lenders, is its largest market.
Its typical loan was $250,000, against $95,000 at similar lenders, the 378 credit unions making between half and twice as many loans. Its typical rate, 5.47%, was lower than at almost all of them; the typical peer's was 6.75%. None of its loans was higher-priced (a rate well above the average for similar loans).
Low- and moderate-income borrowers took 3.1% of its loans, against 31.9% at peers, among the lowest of the group. Its larger loans may mean its members earn more than the typical credit union's. Majority-minority neighborhoods took 43.8% of its loans, against 9.7% at peers. With 32 loans, both shares rest on a small base.
It has reported under HMDA since 1990. It filed no report for 2020 or 2021; those are gaps in the record, not years without lending. Its count fell 14% in 2025, to 32 from 37, while the typical peer was flat and the whole market grew 10%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. San Joaquin Power Employees Credit Union took 46 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 43.8% · Other 25.0% · Purchase 21.9% · Home improvement 9.4%
Conventional 100.0% · of 32 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 | 32 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fresno | 11 |
| Sacramento-Roseville-Folsom | 6 |
| Stockton-Lodi | 3 |
| Bakersfield-Delano | 2 |
| Oakland-Fremont-Berkeley | 2 |
| San Luis Obispo-Paso Robles | 2 |
| Vallejo | 2 |
| Chico | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Visalia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007M6CTUCB5K0R54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 981891 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566788 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: San Joaquin Power Employees Credit Union's data.
San Joaquin Power Employees Credit Union's data
$215
San Joaquin Power Employees 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.
Buy San Joaquin Power Employees Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]