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?:
Please select your preferred method of contact

Are you a current UCU member?:
Please select yes if you are a UCU member

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 855.699.5962, Monday – Friday: 5 a.m. – 5 p.m.


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 SAFE Act.

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

  • Merisa Gates –  NMLS ID #188870
  • Estela Nagahashi – NMLS ID #1699957
  • Miguel Olivares – NMLS ID #2068660
  • Michelle Pacheco – NMLS ID #662822
  • Britini Pender – NMLS ID #694308
  • Sheri Sicka – NMLS ID #809498
  • Elizabeth Torres – NMLS ID #1757889
  • David L. Tuyo II – NMLS ID #1152000

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


Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.