Applications / Mortgage Analytics / Lenders / California / United Local Credit Union
Fresno, CA · Credit union · NCUA · $120 million assets · 14 loans in 2025
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14
loans originated, 2025
17
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Local Credit Union, of Fresno, is a very small mortgage lender: it made 14 home loans in 2025 and has never made more than 15 in a year since 2018.
Its loans rose from 10 in 2024 to 14 in 2025. Similar lenders, meaning credit unions making between half and twice as many loans, made 20 at the middle of the group. Since 2018 its yearly count has ranged from 1 to 15, so it has never been more than a very small mortgage lender.
Half of its loans were refinances and the rest went to other purposes and purchases. On 14 loans, though, its rates, loan sizes and borrower shares can swing on a single loan. None of them supports a comparison with similar lenders, and none should be read as a pattern.
It has lent in Fresno since 1990 and ranks 136 of 409 there, with a 0.1% share. United Wholesale Mortgage leads that market with $844.3M. It also lends in Hanford-Corcoran, where it ranks 130 of 186, and in all it reaches just 3 counties in California.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Local Credit Union took 17 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.0% · Other 28.6% · Purchase 21.4%
Conventional 100.0% · of 14 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 | 14 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fresno | 13 |
| Hanford-Corcoran | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SNKDC040FOBU51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 445991 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560408 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: United Local Credit Union's data.
United Local Credit Union's data
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United Local 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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