Applications / Mortgage Analytics / Lenders / California / Sierra Central Credit Union
Yuba City, CA · Credit union · NCUA · $1.5 billion assets · 420 loans in 2025
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420
loans originated, 2025
714
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sierra Central Credit Union, based in Yuba City, California, is a refinance lender: nine in ten of its 2025 loans were refinances.
Refinances made up 90.7% of its lending and purchases only 9.3%. Its typical loan was $95,000, smaller than at similar lenders, meaning credit unions making between half and twice as many loans. Every loan was conventional. Few were priced well above the average for similar loans: 0.5%, against 1.9% at similar lenders.
It made 420 loans, down 8% from 457, while similar lenders grew 7% and the whole market 10%. Dollar volume still rose, to $50.9 million from $44.9 million, because its typical loan grew from $65,000.
In Chico its share rose to 1.1% from 0.8%, ranking it 23 of 255 lenders. In Yuba City, its home market since 1994, its share fell to 0.9% from 1.1%. Possible reasons include its narrow product mix, with purchase loans only 9.3% of its lending, and its smaller loan count. Its share in Redding held at 0.8%.
Majority-minority neighborhoods took 16.0% of its loans, higher than at similar lenders, at 11.1%. Its share in low- and moderate-income neighborhoods, 15.0%, was close to theirs.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sierra Central Credit Union took 714 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 90.7% · Purchase 9.3%
Conventional 100.0% · of 420 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 | 419 | 99.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chico | 99 |
| Yuba City | 84 |
| Redding | 70 |
| Sacramento-Roseville-Folsom | 59 |
| Oakland-Fremont-Berkeley | 3 |
| San Diego-Chula Vista-Carlsbad | 2 |
| Los Angeles-Long Beach-Glendale | 1 |
| San Francisco-San Mateo-Redwood City | 1 |
| Visalia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900URXOKFMBYQ0V69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 581992 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568053 | 1994–2017 |
Established 1 January 1955. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Sierra Central Credit Union's data.
Sierra Central Credit Union's data
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Sierra Central 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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