CERTIFIED CREDIT UNION
CERTIFIED CREDIT UNION received 121 applications in 2025 and made 101 mortgages, in 21 counties across 6 states. The median rate its borrowers got was 7.000% on a median loan of $125,000. Of 113 decisions, 5 were denials — 4.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300WXO2FZYE7KAW26 |
|---|---|
| Applications received | 121 |
| Mortgages made | 101 |
| Denied | 5 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.27 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 | 27 | 6.000% | $505,000 | 3.3% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 22 | 6.688% | $205,000 | 7.1% |
| Other purposes | 51 | 7.500% | $85,000 | 3.7% |
Where CERTIFIED CREDIT UNION lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 46 | 7.000% | 4.1% |
| Riverside County, CA | 9 | Under 10 loans | 16.7% |
| San Bernardino County, CA | 9 | Under 10 loans | 0.0% |
| Orange County, CA | 8 | Under 10 loans | 10.0% |
| Clark County, NV | 5 | Under 10 loans | 0.0% |
| Ventura County, CA | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Kern County, CA | 2 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 0.0% |
| Tulare County, CA | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Imperial County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Elko County, NV | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Albany County, WY | 1 | Under 10 loans | 0.0% |
Get told when this changes
When CERTIFIED CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.