Applications / Mortgage Analytics / Lenders / California / Operating Engineers Local Union #3 Federal Credit Union
Livermore, CA · Credit union · NCUA · $1.7 billion assets · 149 loans in 2025
Operating Engineers Local Union #3 Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
149
loans originated, 2025
417
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Operating Engineers Local Union #3 Federal Credit Union makes few purchase loans: two-thirds of its 2025 lending was for purposes other than buying or refinancing a home, and its loan count rose 32%.
Other-purpose loans were 66.4% of its lending, refinances 20.8% and purchases just 12.8%. All were conventional. Its typical loan, $115,000, was close to the $105,000 at similar lenders, credit unions making between half and twice as many loans.
It made 149 loans, up 32%, while similar lenders grew 9% and the whole market 10%; that is faster than about three in four of them. The rise comes after a long fall: it made 573 loans in 2020 and 113 in 2024.
Its loans reached 17 states and 37 metros, centered on California, but it holds a negligible share almost everywhere, ranking 354th of 574 lenders in Sacramento-Roseville-Folsom. In majority-minority neighborhoods it made 40.9% of its loans, against 9.8% at similar lenders, more than at about four in five of them; that may follow from where it lends.
Its typical rate, 8.00%, was above the 6.75% at similar lenders and higher than at almost all of them. Its loans for other purposes, most of what it makes, are a different product from a purchase or refinance mortgage and may account for the gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Operating Engineers Local Union #3 Federal Credit Union took 417 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 66.4% · Refinance 20.8% · Purchase 12.8%
Conventional 100.0% · of 149 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 | 102 | 68.5% |
| Nevada | 16 | 10.7% |
| Washington | 5 | 3.4% |
| Idaho | 4 | 2.7% |
| Oregon | 4 | 2.7% |
| Texas | 3 | 2.0% |
| Arizona | 2 | 1.3% |
| Colorado | 2 | 1.3% |
| Florida | 2 | 1.3% |
| Utah | 2 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 15 |
| Sacramento-Roseville-Folsom | 15 |
| Stockton-Lodi | 15 |
| Reno | 10 |
| Vallejo | 8 |
| Fresno | 7 |
| Modesto | 5 |
| Portland-Vancouver-Hillsboro | 5 |
| Redding | 4 |
| San Jose-Sunnyvale-Santa Clara | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MHHOS58M9D0445 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 63993 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524235 | 1990–2017 |
Established 1 January 1963. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Operating Engineers Local Union #3 Federal Credit Union's data.
Operating Engineers Local Union #3 Federal Credit Union's data
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Operating Engineers Local Union #3 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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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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