Operating Engineers Local Union #3
Operating Engineers Local Union #3 received 291 applications in 2025 and made 149 mortgages, in 87 counties across 17 states. The median rate its borrowers got was 8.000% on a median loan of $115,000. Of 194 decisions, 45 were denials — 23.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900MHHOS58M9D0445 |
|---|---|
| Applications received | 291 |
| Mortgages made | 149 |
| Denied | 45 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 97 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.834 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 | 19 | 6.125% | $345,000 | 9.5% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 25 | 6.125% | $225,000 | 16.7% |
| Other purposes | 99 | 8.250% | $85,000 | 26.1% |
Where Operating Engineers Local Union #3 lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Joaquin County, CA | 15 | 8.375% | 21.1% |
| Contra Costa County, CA | 9 | Under 10 loans | 25.0% |
| Sacramento County, CA | 9 | Under 10 loans | 10.0% |
| Washoe County, NV | 9 | Under 10 loans | 25.0% |
| Solano County, CA | 8 | Under 10 loans | 27.3% |
| Alameda County, CA | 6 | Under 10 loans | 0.0% |
| Fresno County, CA | 6 | Under 10 loans | 14.3% |
| Stanislaus County, CA | 5 | Under 10 loans | 28.6% |
| Calaveras County, CA | 4 | Under 10 loans | 0.0% |
| El Dorado County, CA | 4 | Under 10 loans | 0.0% |
| Shasta County, CA | 4 | Under 10 loans | 0.0% |
| Clark County, NV | 3 | Under 10 loans | 40.0% |
| Clark County, WA | 3 | Under 10 loans | 0.0% |
| Humboldt County, CA | 2 | Under 10 loans | 50.0% |
| Kern County, CA | 2 | Under 10 loans | 33.3% |
| Nevada County, CA | 2 | Under 10 loans | 0.0% |
| San Benito County, CA | 2 | Under 10 loans | 33.3% |
| Santa Clara County, CA | 2 | Under 10 loans | 50.0% |
| Sutter County, CA | 2 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 2 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Franklin County, AR | 1 | Under 10 loans | 0.0% |
| Amador County, CA | 1 | Under 10 loans | 0.0% |
| Butte County, CA | 1 | Under 10 loans | 50.0% |
| Lake County, CA | 1 | Under 10 loans | 0.0% |
| Madera County, CA | 1 | Under 10 loans | 50.0% |
| Mendocino County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| Plumas County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 50.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| San Mateo County, CA | 1 | Under 10 loans | 50.0% |
| Siskiyou County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 50.0% |
| Tehama County, CA | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Yuba County, CA | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Mesa County, CO | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Maui County, HI | 1 | Under 10 loans | 0.0% |
| Ada County, ID | 1 | Under 10 loans | 0.0% |
| Gem County, ID | 1 | Under 10 loans | 0.0% |
| Jerome County, ID | 1 | Under 10 loans | 0.0% |
| Lincoln County, ID | 1 | Under 10 loans | 0.0% |
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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.