Applications / Mortgage Analytics / Lenders / California / UNCLE Credit Union
Livermore, CA · Credit union · NCUA · $757 million assets · 271 loans in 2025
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271
loans originated, 2025
524
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UNCLE Credit Union lends across California's big metros, and three in five of its loans go to majority-minority neighborhoods, far more than at similar credit unions.
It made 60.9% of its loans in majority-minority neighborhoods, against 12.9% at similar lenders, credit unions making between half and twice as many loans. That is higher than at nearly nine in ten of them. It lends in 15 metros, all in California, including San Francisco-Oakland-Fremont, Stockton-Lodi and San Jose.
Home improvement made up 46.9% of its loans and other purposes 33.6%; purchases were 4.8%. Its typical loan, $155,000, was larger than the $105,000 at similar lenders.
Its share of borrowers with low or moderate incomes (LMI) was 17.7%, against 27.6% at similar lenders, and 10.7% of its loans were in poorer neighborhoods, against 16.1%. One possible reason is its mix: loans to improve homes already owned go to existing owners rather than first-time buyers. Another is that its larger loans point to costlier homes, which fewer lower-income households own.
None of its loans was higher-priced (a rate well above the average for similar loans), against 2.0% at similar lenders, and its typical rate of 6.49% was below their 6.88%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UNCLE Credit Union took 524 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.9% · Other 33.6% · Refinance 14.8% · Purchase 4.8%
Conventional 100.0% · of 271 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 | 271 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 128 |
| Stockton-Lodi | 79 |
| San Jose-Sunnyvale-Santa Clara | 12 |
| Sacramento-Roseville-Folsom | 11 |
| Modesto | 8 |
| Riverside-San Bernardino-Ontario | 7 |
| Los Angeles-Long Beach-Glendale | 4 |
| Vallejo | 4 |
| San Diego-Chula Vista-Carlsbad | 3 |
| San Francisco-San Mateo-Redwood City | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 8945004XZN3PZQZJW178 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 363693 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564482 | 1998–2017 |
Established 1 January 1957. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: UNCLE Credit Union's data.
UNCLE Credit Union's data
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UNCLE 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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