Applications / Mortgage Analytics / Lenders / California / Santa Barbara Teachers Federal Credit Union
Santa Barbara, CA · Credit union · NCUA · $305 million assets · 29 loans in 2025
Santa Barbara Teachers Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
29
loans originated, 2025
36
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Santa Barbara Teachers Federal Credit Union is a small refinance lender: every one of its 29 home loans in 2025 was a refinance, made in and around Santa Barbara and San Luis Obispo.
It made no purchase or home-improvement loans in 2025. All its loans were conventional, none was jumbo and none was on a manufactured home. Its typical loan was $145,000, up from $80,000 in 2024 and above the $95,000 at similar lenders (credit unions making between half and twice as many loans). With 29 loans, a few large ones can move that figure a long way.
Its loans rose 12%, from 26 to 29, while similar lenders shrank 3% and the whole market grew 10%. It made 62 loans in 2020, its busiest recent year, and between 26 and 31 in each year since 2022. At this size, its borrower and neighborhood shares rest on too few loans to compare with other lenders.
It first reported in 1994, the year it entered the Santa Maria-Santa Barbara market. There it ranked 128 of 339 lenders in 2025, with a 0.1% share that did not change from the year before. United Wholesale Mortgage and Guaranteed Rate led that market. In San Luis Obispo-Paso Robles, its other market, it ranked 303 of 312.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Santa Barbara Teachers Federal Credit Union took 36 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 100.0%
Conventional 100.0% · of 29 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 | 29 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Santa Maria-Santa Barbara | 27 |
| San Luis Obispo-Paso Robles | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009PZCHF8GGHET49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 192679 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51909 | 1994–2017 |
Established 1 January 1937. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Santa Barbara Teachers Federal Credit Union's data.
Santa Barbara Teachers Federal Credit Union's data
$215
Santa Barbara Teachers 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.
Buy Santa Barbara Teachers Federal 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]