Get the 411 with our mortgage 101.


If you're at this stage of the process, things are getting pretty exciting! We have a team of registered mortgage originators who are here to help, whether you want to buy a home or refinance a mortgage.

How do you prefer to be contacted?:
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Are you a current UCU member?:
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What mortgage type are you interested in? (Please check all that apply.):
Please select all that apply regarding which mortgage type you are interested in

If you have any questions, please call us at (800) UCU-4510, ext. 9-2304.

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS).

Each employee of a credit union who acts as a mortgage loan originator must register with the Registry, obtain a unique identifier, and maintain this registration in accordance with the requirements of the S.A.F.E. Act.

Below are the registered mortgage loan originators of University Credit Union, NMLS #409731.

  • Michelle Pacheco – NMLS ID #662822
  • Johanes Angkadjaja – NMLS ID #1411033
  • Estela Nagahashi – NMLS ID #1699957
  • Franklin Young – NMLS ID #424413
  • Jennifer Leon – NMLS ID #151527
  • Sheree Reid – NMLS ID #485777
  • Sheri Sicka – NMLS ID #809498 


One of the objectives of the SAFE Act is to provide consumers with easily accessible information at no charge regarding mortgage loan originators. You may access information at

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