San Mateo Credit Union
San Mateo Credit Union received 654 applications in 2025 and made 367 mortgages, in 39 counties across 1 state. The median rate its borrowers got was 7.750% on a median loan of $255,000. Of 545 decisions, 177 were denials — 32.5%, most often for other.
| Legal Entity Identifier | 549300QNPOF1WCRKLZ94 |
|---|---|
| Applications received | 654 |
| Mortgages made | 367 |
| Denied | 177 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 109 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.34 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 | 74 | 5.875% | $825,000 | 23.5% |
| Refinancing | 70 | 7.500% | $255,000 | 22.2% |
| Cash-out refinancing | 219 | 7.750% | $205,000 | 20.1% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 95.2% |
Where San Mateo Credit Union lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Mateo County, CA | 211 | 7.750% | 29.3% |
| Alameda County, CA | 38 | 7.250% | 40.6% |
| Santa Clara County, CA | 26 | 6.625% | 27.8% |
| San Francisco County, CA | 14 | 7.750% | 33.3% |
| Contra Costa County, CA | 11 | 7.250% | 45.0% |
| Sacramento County, CA | 11 | 7.375% | 35.3% |
| Placer County, CA | 8 | Under 10 loans | 27.3% |
| Solano County, CA | 7 | Under 10 loans | 30.0% |
| San Joaquin County, CA | 5 | Under 10 loans | 44.4% |
| Sonoma County, CA | 5 | Under 10 loans | 16.7% |
| El Dorado County, CA | 3 | Under 10 loans | 25.0% |
| Los Angeles County, CA | 3 | Under 10 loans | 0.0% |
| Nevada County, CA | 3 | Under 10 loans | 25.0% |
| Riverside County, CA | 3 | Under 10 loans | 25.0% |
| Calaveras County, CA | 2 | Under 10 loans | 50.0% |
| Orange County, CA | 2 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 2 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 2 | Under 10 loans | 77.8% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| Mendocino County, CA | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 50.0% |
| Monterey County, CA | 1 | Under 10 loans | 50.0% |
| Napa County, CA | 1 | Under 10 loans | 0.0% |
| Plumas County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Yuba County, CA | 1 | Under 10 loans | 0.0% |
| Amador County, CA | 0 | Under 10 loans | Not published |
| Del Norte County, CA | 0 | Under 10 loans | 100.0% |
| Fresno County, CA | 0 | Under 10 loans | Not published |
| Glenn County, CA | 0 | Under 10 loans | 100.0% |
| Kern County, CA | 0 | Under 10 loans | 100.0% |
| Lake County, CA | 0 | Under 10 loans | Not published |
| Madera County, CA | 0 | Under 10 loans | 100.0% |
| San Bernardino County, CA | 0 | Under 10 loans | Not published |
| Tuolumne County, CA | 0 | Under 10 loans | Not published |
| Ventura County, CA | 0 | Under 10 loans | 100.0% |
| Yolo County, CA | 0 | Under 10 loans | 100.0% |
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When San Mateo 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.