COMMUNITY FIRST CREDIT UNION
COMMUNITY FIRST CREDIT UNION received 254 applications in 2025 and made 160 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 7.750% on a median loan of $115,000. Of 207 decisions, 38 were denials — 18.4%, most often for debt-to-income ratio. 12 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300767F7CDUJR8Q67 |
|---|---|
| Applications received | 254 |
| Mortgages made | 160 |
| Denied | 38 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 47 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.4945 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 | 38 | 7.500% | $165,000 | 5.0% |
| Refinancing | 11 | 7.750% | $125,000 | 31.3% |
| Cash-out refinancing | 111 | 7.990% | $105,000 | 20.5% |
Where COMMUNITY FIRST CREDIT UNION lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sonoma County, CA | 88 | 7.750% | 15.6% |
| Lake County, CA | 30 | 7.750% | 23.3% |
| Mendocino County, CA | 26 | 7.750% | 22.2% |
| Napa County, CA | 11 | 7.500% | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Humboldt County, CA | 1 | Under 10 loans | 66.7% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Marin County, CA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When COMMUNITY FIRST 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.