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

SAFE (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 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


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

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