CommonWealth Central Credit Union
CommonWealth Central Credit Union received 286 applications in 2025 and made 154 mortgages, in 28 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $205,000. Of 244 decisions, 82 were denials — 33.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549004W7ZN0N715U578 |
|---|---|
| Applications received | 286 |
| Mortgages made | 154 |
| Denied | 82 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 42 |
| Loans bought from other lenders | 3 |
| Median rate spread over the prime offer rate | 0.94 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 | 0 | Under 10 loans | Under 10 loans | Not published |
| Refinancing | 38 | 7.500% | $275,000 | 24.0% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 116 | 7.500% | $175,000 | 36.1% |
Where CommonWealth Central Credit Union lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Santa Clara County, CA | 106 | 7.500% | 31.3% |
| Alameda County, CA | 10 | 7.500% | 26.7% |
| San Benito County, CA | 8 | Under 10 loans | 46.7% |
| Contra Costa County, CA | 4 | Under 10 loans | 20.0% |
| Merced County, CA | 4 | Under 10 loans | 42.9% |
| Monterey County, CA | 3 | Under 10 loans | 57.1% |
| San Mateo County, CA | 3 | Under 10 loans | 25.0% |
| Fresno County, CA | 2 | Under 10 loans | 0.0% |
| Placer County, CA | 2 | Under 10 loans | 33.3% |
| San Bernardino County, CA | 2 | Under 10 loans | 0.0% |
| Del Norte County, CA | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 50.0% |
| Nevada County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 83.3% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Amador County, CA | 0 | Under 10 loans | 100.0% |
| Madera County, CA | 0 | Under 10 loans | 100.0% |
| San Diego County, CA | 0 | Under 10 loans | 100.0% |
| Sonoma County, CA | 0 | Under 10 loans | 100.0% |
| Stanislaus County, CA | 0 | Under 10 loans | Not published |
| Tuolumne County, CA | 0 | Under 10 loans | Not published |
| Yuba County, CA | 0 | Under 10 loans | Not published |
| King County, WA | 0 | Under 10 loans | Not published |
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When CommonWealth Central Credit Union’s figures are published for the next year, or restated.
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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.