Applications / Mortgage Analytics / Lenders / California / Tulare County Federal Credit Union
Tulare, CA · Credit union · NCUA · $150 million assets · 27 loans in 2025
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27
loans originated, 2025
54
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tulare County Federal Credit Union is a small California lender whose mortgage business has shrunk to 27 loans, a fifth of its total three years earlier.
It made 135 loans in 2022, 69 in 2023, 41 in 2024 and 27 in 2025. Last year's fall of 34% compares with a fall of 4% at similar lenders, credit unions making between half and twice as many loans, and growth of 10% in the whole market. The figures do not say why its lending shrank.
About half its loans were for other purposes and a third for home improvement; purchases and refinancings were a few loans each. All were conventional. Its typical loan was $65,000, against $95,000 at similar lenders. With 27 loans, the exact shares mean little.
Most of its loans go to majority-minority neighborhoods: 92.6% in 2025, against 10.5% at similar lenders. That is no one-year quirk; the share was 68.9% in 2020, when it made 110 loans. Its lending sits in two California counties, in the metro areas of Visalia and Bakersfield-Delano.
It has reported loans in the Visalia area since 1999, its first year in the public data. There it ranked 107 of 281 lenders in 2025, with 0.1% of lending, down from 0.2%, a fall that may simply follow the drop in its own lending. Golden Empire Mortgage led that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tulare County Federal Credit Union took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 51.9% · Home improvement 33.3% · Purchase 7.4% · Refinance 7.4%
Conventional 100.0% · of 27 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 | 27 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Visalia | 25 |
| Bakersfield-Delano | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EIBXII5C4D4548 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 613875 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53218 | 1999–2017 |
Established 1 January 1939. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Tulare County Federal Credit Union's data.
Tulare County Federal Credit Union's data
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Tulare County 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.
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