Applications / Mortgage Analytics / Lenders / California / Strata Credit Union / Competition
Strata Credit Union
Bakersfield, CA · Credit union · NCUA · $336 million assets · 167 loans in 2025
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167
loans originated, 2025
283
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who Strata Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BAKERSFIELD-DELANO, CA, 2025
Strata Credit Union ranks 40th of 407 lenders in Bakersfield-Delano, CA, with $21.6M lent: 0.5% of a $4.24B market.
Bakersfield-Delano, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Strata Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — FRESNO, CA, 2025
Strata Credit Union ranks 315th of 409 lenders in Fresno, CA, with $525K lent: 0.0% of a $5.72B market.
Fresno, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Strata Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — VISALIA, CA, 2025
Strata Credit Union ranks 213th of 281 lenders in Visalia, CA, with $390K lent: 0.0% of a $1.95B market.
Visalia, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Strata Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 53% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — LOS ANGELES-LONG BEACH-ANAHEIM, CA, 2025
Strata Credit Union ranks 756th of 757 lenders in Los Angeles-Long Beach-Anaheim, CA, with $55K lent: 0.0% of a $114.28B market.
Los Angeles-Long Beach-Anaheim, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Strata Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Strata 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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