CALIFORNIA CREDIT UNION
CALIFORNIA CREDIT UNION received 3,141 applications in 2025 and made 1,409 mortgages, in 34 counties across 11 states. The median rate its borrowers got was 5.990% on a median loan of $255,000. Of 2,446 decisions, 914 were denials — 37.4%, most often for other. 169 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300I0HE5X0T5OI648 |
|---|---|
| Applications received | 3,141 |
| Mortgages made | 1,409 |
| Denied | 914 |
| Approved, not taken up | 123 |
| Withdrawn or incomplete | 695 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.1 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 370 | 5.625% | $765,000 | 6.3% |
| Refinancing | 205 | 5.625% | $825,000 | 10.7% |
| Cash-out refinancing | 111 | 6.500% | $255,000 | 15.1% |
| Other purposes | 723 | 5.990% | $155,000 | 51.6% |
Where CALIFORNIA CREDIT UNION lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Diego County, CA | 583 | 5.990% | 28.4% |
| Los Angeles County, CA | 579 | 5.990% | 44.7% |
| Orange County, CA | 88 | 5.750% | 26.1% |
| Riverside County, CA | 78 | 5.875% | 34.4% |
| San Bernardino County, CA | 45 | 5.990% | 32.9% |
| Ventura County, CA | 22 | 5.933% | 43.9% |
| Kern County, CA | 4 | Under 10 loans | 33.3% |
| Alameda County, CA | 3 | Under 10 loans | 40.0% |
| Sacramento County, CA | 2 | Under 10 loans | 33.3% |
| San Joaquin County, CA | 2 | Under 10 loans | 50.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 66.7% |
| Santa Clara County, CA | 1 | Under 10 loans | 50.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Carroll County, AR | 0 | Under 10 loans | 100.0% |
| El Dorado County, CA | 0 | Under 10 loans | 100.0% |
| Fresno County, CA | 0 | Under 10 loans | 100.0% |
| Imperial County, CA | 0 | Under 10 loans | 100.0% |
| Mono County, CA | 0 | Under 10 loans | Not published |
| Nevada County, CA | 0 | Under 10 loans | Not published |
| San Francisco County, CA | 0 | Under 10 loans | 100.0% |
| Santa Barbara County, CA | 0 | Under 10 loans | 100.0% |
| Santa Cruz County, CA | 0 | Under 10 loans | Not published |
| Sonoma County, CA | 0 | Under 10 loans | Not published |
| Sutter County, CA | 0 | Under 10 loans | 100.0% |
| Tulare County, CA | 0 | Under 10 loans | 100.0% |
| Douglas County, CO | 0 | Under 10 loans | 100.0% |
| District of Columbia, DC | 0 | Under 10 loans | 100.0% |
| Sumter County, FL | 0 | Under 10 loans | 100.0% |
| Baltimore County, MD | 0 | Under 10 loans | 100.0% |
| Hampden County, MA | 0 | Under 10 loans | 100.0% |
| Clark County, NV | 0 | Under 10 loans | 100.0% |
| Tillamook County, OR | 0 | Under 10 loans | 100.0% |
| Northampton County, PA | 0 | Under 10 loans | 100.0% |
| Hopkins County, TX | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.