San Joaquin Power Employees Credit Union
San Joaquin Power Employees Credit Union received 45 applications in 2025 and made 32 mortgages, in 15 counties across 1 state. The median rate its borrowers got was 5.475% on a median loan of $250,000. Of 37 decisions, 5 were denials — 13.5%, most often for debt-to-income ratio. 5 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549007M6CTUCB5K0R54 |
|---|---|
| Applications received | 45 |
| Mortgages made | 32 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.3875 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 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 13 | 5.240% | $325,000 | 23.5% |
| Other purposes | 11 | 6.240% | $95,000 | 8.3% |
Where San Joaquin Power Employees Credit Union lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fresno County, CA | 11 | 5.580% | 0.0% |
| Sacramento County, CA | 4 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 3 | Under 10 loans | 0.0% |
| El Dorado County, CA | 2 | Under 10 loans | 0.0% |
| Kern County, CA | 2 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 2 | Under 10 loans | 0.0% |
| Solano County, CA | 2 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Butte County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 75.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| Tehama County, CA | 1 | Under 10 loans | 0.0% |
| Tulare County, CA | 1 | Under 10 loans | 0.0% |
| Madera County, CA | 0 | Under 10 loans | 100.0% |
| Santa Clara 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.