Applications / Mortgage Analytics / Lenders / California / The Police Credit Union of California
San Bruno, CA · Credit union · NCUA · $1.0 billion assets · 89 loans in 2025
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89
loans originated, 2025
115
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Police Credit Union of California is a small California lender whose loans go mostly to majority-minority neighborhoods, and it makes far fewer of them than it did in 2020.
The credit union made 89 loans in 2025, up 10% on 2024, the same pace as the whole market. Among similar lenders, credit unions making between half and twice as many loans, that puts it in the middle. It is a long way below its 2020 peak of 401 loans. Its lending is spread evenly: purchases and refinances each took 33.7%, with home improvement and other purposes making up the rest.
Seven in ten of its loans, 69.7%, went to majority-minority neighborhoods, against 9.1% at similar lenders; only about one peer in twenty has a higher share. It also lent more in poorer neighborhoods (low- and moderate-income, or LMI, tracts) than most: 27.0% of loans, against 17.2%, higher than about four in five peers.
Its borrowers are another matter. Only 17.1% had low or moderate incomes, against 30.4% at similar lenders, lower than nearly nine in ten. Its loans are large for a credit union: the typical one was $255,000, against $95,000 for peers, and it was $415,000 in 2020. Bigger loans tend to go to higher earners, which may account for much of the difference.
All its lending is in California, across 15 metros and 22 counties. Its share is 0.1% or less wherever it is measured. It has lent in San Francisco-Oakland-Fremont since at least 1990, and first lent in El Centro in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Police Credit Union of California took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.7% · Refinance 33.7% · Other 16.9% · Home improvement 15.7%
Conventional 100.0% · of 89 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 | 89 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 29 |
| San Francisco-San Mateo-Redwood City | 14 |
| Sacramento-Roseville-Folsom | 9 |
| Santa Rosa-Petaluma | 8 |
| Vallejo | 8 |
| Stockton-Lodi | 4 |
| Anaheim-Santa Ana-Irvine | 2 |
| Bakersfield-Delano | 2 |
| Fresno | 2 |
| Los Angeles-Long Beach-Glendale | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YTDHBD4XHCIR35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 388490 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560968 | 1990–2017 |
Established 1 January 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Police Credit Union of California's data.
The Police Credit Union of California's data
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The Police Credit Union of California 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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