Patelco Credit Union
Patelco Credit Union received 4,163 applications in 2025 and made 1,846 mortgages, in 50 counties across 1 state. The median rate its borrowers got was 8.000% on a median loan of $175,000. Of 2,321 decisions, 388 were denials — 16.7%, 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 | 549300EM6UG8HE3P8U74 |
|---|---|
| Applications received | 4,163 |
| Mortgages made | 1,846 |
| Denied | 388 |
| Approved, not taken up | 87 |
| Withdrawn or incomplete | 1,842 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.76 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 | 313 | 5.750% | $985,000 | 7.1% |
| Refinancing | 587 | 8.000% | $185,000 | 17.8% |
| Cash-out refinancing | 418 | 8.000% | $125,000 | 28.2% |
| Other purposes | 528 | 8.000% | $105,000 | 9.3% |
Where Patelco Credit Union 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 |
|---|---|---|---|
| Alameda County, CA | 432 | 8.000% | 18.8% |
| Contra Costa County, CA | 385 | 8.000% | 14.6% |
| Sacramento County, CA | 164 | 8.000% | 14.6% |
| Santa Clara County, CA | 155 | 6.250% | 11.5% |
| San Mateo County, CA | 120 | 8.000% | 16.9% |
| Placer County, CA | 76 | 8.000% | 17.4% |
| Solano County, CA | 73 | 8.000% | 18.5% |
| San Francisco County, CA | 64 | 8.000% | 20.7% |
| San Joaquin County, CA | 63 | 8.000% | 18.1% |
| Sonoma County, CA | 50 | 8.000% | 18.2% |
| El Dorado County, CA | 35 | 8.000% | 2.7% |
| Marin County, CA | 33 | 8.000% | 21.3% |
| Stanislaus County, CA | 19 | 8.125% | 20.0% |
| Napa County, CA | 16 | 8.000% | 11.1% |
| Merced County, CA | 15 | 8.000% | 11.8% |
| Santa Cruz County, CA | 15 | 8.000% | 5.6% |
| Los Angeles County, CA | 14 | 8.000% | 31.8% |
| Orange County, CA | 13 | 8.000% | 12.5% |
| Riverside County, CA | 12 | 7.875% | 20.0% |
| San Diego County, CA | 12 | 7.875% | 33.3% |
| Yolo County, CA | 12 | 8.000% | 20.0% |
| Nevada County, CA | 8 | Under 10 loans | 20.0% |
| Butte County, CA | 6 | Under 10 loans | 0.0% |
| Monterey County, CA | 6 | Under 10 loans | 14.3% |
| San Luis Obispo County, CA | 5 | Under 10 loans | 0.0% |
| Amador County, CA | 4 | Under 10 loans | 0.0% |
| Kern County, CA | 4 | Under 10 loans | 0.0% |
| Madera County, CA | 4 | Under 10 loans | 0.0% |
| Mendocino County, CA | 3 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 3 | Under 10 loans | 62.5% |
| Santa Barbara County, CA | 3 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 3 | Under 10 loans | 0.0% |
| Calaveras County, CA | 2 | Under 10 loans | 33.3% |
| Fresno County, CA | 2 | Under 10 loans | 60.0% |
| Humboldt County, CA | 2 | Under 10 loans | 33.3% |
| Lake County, CA | 2 | Under 10 loans | 0.0% |
| Mariposa County, CA | 2 | Under 10 loans | 0.0% |
| Shasta County, CA | 2 | Under 10 loans | 0.0% |
| Tulare County, CA | 2 | Under 10 loans | 50.0% |
| Ventura County, CA | 2 | Under 10 loans | 0.0% |
| Alpine County, CA | 1 | Under 10 loans | 0.0% |
| Glenn County, CA | 1 | Under 10 loans | 0.0% |
| San Benito County, CA | 1 | Under 10 loans | 50.0% |
| Colusa County, CA | 0 | Under 10 loans | Not published |
| Imperial County, CA | 0 | Under 10 loans | Not published |
| Lassen County, CA | 0 | Under 10 loans | Not published |
| Siskiyou County, CA | 0 | Under 10 loans | 50.0% |
| Sutter County, CA | 0 | Under 10 loans | Not published |
| Trinity County, CA | 0 | Under 10 loans | 100.0% |
| Yuba County, CA | 0 | Under 10 loans | Not published |
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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.