NORTH BAY Credit Union
NORTH BAY Credit Union received 38 applications in 2025 and made 20 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 8.750% on a median loan of $130,000. Of 33 decisions, 10 were denials — 30.3%, most often for debt-to-income ratio. 25 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300ZPP46PTHQ2RF22 |
|---|---|
| Applications received | 38 |
| Mortgages made | 20 |
| Denied | 10 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.9825 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 | 10 | 8.750% | $125,000 | 20.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 33.3% |
Where NORTH BAY Credit Union lends most
The 11 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 | 10 | 8.625% | 26.7% |
| Alameda County, CA | 1 | Under 10 loans | 50.0% |
| Lake County, CA | 1 | Under 10 loans | 50.0% |
| Mendocino County, CA | 1 | Under 10 loans | 66.7% |
| 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 | 33.3% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Solano County, CA | 1 | Under 10 loans | 50.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
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When NORTH BAY 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.