North Bay Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, North Bay Credit Union of Santa Rosa, CA reported 66 mortgage applications totaling $15.4 million, down 16% from 2024. The average application was for $233,787, and applicants reported an average income of $133,500. 30% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Santa Rosa, CA (20), Oakland-Hayward-Berkeley, CA (3) and Sacramento--Roseville--Arden-Arcade, CA (3) (applications in parentheses).
| Mortgage Company & Address | North Bay Credit Union 397 Aviation Blvd Santa Rosa, CA 95403 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2019 |
| Total Number of Mortgage Applications | 66 |
| Total Mortgage Loan Application Amount | $15,430,000 |
| Average Mortgage Loan Application Amount | $233,787 |
| Highest Mortgage Loan Application Amount | $1,025,000 |
| Average Applicant Income | $133,500 |
| Highest Applicant Income | $1,018,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records North Bay Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for North Bay Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 45 | $10,345,000 | $229,000 | $1,025,000 | $106,000 | $548,000 |
| Cash-out Refinancing | 18 | $3,930,000 | $218,000 | $975,000 | $192,000 | $1,018,000 |
| Refinancing | 3 | $1,155,000 | $385,000 | $565,000 | $195,000 | $353,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 34 | $7,510,000 | $220,000 | $825,000 | $95,000 | $279,000 |
| White | 26 | $6,910,000 | $265,000 | $1,025,000 | $184,000 | $1,018,000 |
| Asian | 2 | $300,000 | $150,000 | $165,000 | $134,000 | $210,000 |
| Black or African American | 2 | $290,000 | $145,000 | $205,000 | $111,000 | $137,000 |
| American Indian or Alaskan Native | 1 | $245,000 | $245,000 | $245,000 | $117,000 | $117,000 |
| Not applicable | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 66 | $15,430,000 | $233,000 | $1,025,000 | $133,000 | $1,018,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 20 | $3,300,000 | $165,000 | $565,000 | $112,000 | $339,000 |
| Preapproval Approved but not Accepted | 15 | $4,185,000 | $279,000 | $825,000 | $115,000 | $279,000 |
| Preapproval Denied by Financial Institution | 13 | $2,575,000 | $198,000 | $525,000 | $84,000 | $190,000 |
| Application Denied By Financial Institution | 10 | $3,040,000 | $304,000 | $975,000 | $241,000 | $1,018,000 |
| Application Withdrawn By Applicant | 5 | $805,000 | $161,000 | $215,000 | $97,000 | $150,000 |
| Application Approved But Not Accepted | 3 | $1,525,000 | $508,000 | $1,025,000 | $256,000 | $548,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 43 | $9,815,000 | $228,000 | $1,025,000 | $122,000 | $548,000 |
| Debt-To-Income Ratio | 8 | $1,630,000 | $203,000 | $315,000 | $143,000 | $353,000 |
| Unverifiable Information | 5 | $1,965,000 | $393,000 | $975,000 | $299,000 | $1,018,000 |
| Credit History | 4 | $660,000 | $165,000 | $235,000 | $105,000 | $190,000 |
| Other | 3 | $765,000 | $255,000 | $505,000 | $69,000 | $118,000 |
| Credit Application Incomplete | 3 | $595,000 | $198,000 | $385,000 | $80,000 | $148,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Bay Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess North Bay Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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