UCU and all our loan originators are NMLS-registered which is a seal of approval for mortgages and refinances.

S.A.F.E. (Secure and Fair Enforcement) for Mortgage Licensing Act

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


Estela Nagahashi - NMLS ID #1699957

Michelle Pacheco – NMLS ID #662822

Johanes Angkadjaja – NMLS ID #1411033

Julio Macias – NMLS ID #1519824


Franklin Young – NMLS ID #424413


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 www.nmlsconsumeraccess.org

If you have questions about this disclosure, please contact us.

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