SACRAMENTO Credit Union
SACRAMENTO Credit Union received 367 applications in 2025 and made 235 mortgages, in 20 counties across 1 state. The median rate its borrowers got was 6.990% on a median loan of $105,000. Of 355 decisions, 101 were denials — 28.4%, most often for other.
| Legal Entity Identifier | 549300Z66NI4HM439O26 |
|---|---|
| Applications received | 367 |
| Mortgages made | 235 |
| Denied | 101 |
| Approved, not taken up | 19 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.67 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 | 50 | 6.563% | $370,000 | 3.9% |
| Refinancing | 43 | 6.375% | $325,000 | 22.4% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 138 | 6.990% | $75,000 | 35.7% |
Where SACRAMENTO Credit Union lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sacramento County, CA | 161 | 6.990% | 28.7% |
| Placer County, CA | 37 | 6.990% | 20.0% |
| El Dorado County, CA | 10 | 7.390% | 35.3% |
| Yolo County, CA | 7 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 4 | Under 10 loans | 20.0% |
| Contra Costa County, CA | 3 | Under 10 loans | 0.0% |
| Nevada County, CA | 3 | Under 10 loans | 40.0% |
| Solano County, CA | 3 | Under 10 loans | 50.0% |
| Amador County, CA | 2 | Under 10 loans | 33.3% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 50.0% |
| Sutter County, CA | 1 | Under 10 loans | 0.0% |
| Yuba County, CA | 1 | Under 10 loans | 50.0% |
| Alameda County, CA | 0 | Under 10 loans | 100.0% |
| Calaveras County, CA | 0 | Under 10 loans | 100.0% |
| Santa Barbara County, CA | 0 | Under 10 loans | 100.0% |
| Santa Clara County, CA | 0 | Under 10 loans | 50.0% |
| Tulare County, CA | 0 | Under 10 loans | 100.0% |
| Tuolumne County, CA | 0 | Under 10 loans | 100.0% |
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When SACRAMENTO 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.