STANFORD Federal Credit Union
STANFORD Federal Credit Union received 1,313 applications in 2025 and made 1,010 mortgages, in 165 counties across 40 states. The median rate its borrowers got was 7.250% on a median loan of $405,000. Of 1,136 decisions, 85 were denials — 7.5%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493009Y8ROUG903AQ21 |
|---|---|
| Applications received | 1,313 |
| Mortgages made | 1,010 |
| Denied | 85 |
| Approved, not taken up | 41 |
| Withdrawn or incomplete | 177 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1605 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 | 320 | 6.125% | $755,000 | 1.2% |
| Refinancing | 121 | 7.000% | $405,000 | 15.2% |
| Cash-out refinancing | 77 | 7.500% | $255,000 | 18.1% |
| Other purposes | 492 | 7.500% | $265,000 | 6.9% |
Where STANFORD Federal 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 |
|---|---|---|---|
| Santa Clara County, CA | 268 | 7.500% | 3.5% |
| San Mateo County, CA | 208 | 7.250% | 6.6% |
| Alameda County, CA | 92 | 7.500% | 7.8% |
| San Francisco County, CA | 51 | 6.875% | 6.8% |
| Contra Costa County, CA | 40 | 7.313% | 4.6% |
| Los Angeles County, CA | 29 | 7.500% | 8.8% |
| Orange County, CA | 18 | 7.500% | 10.0% |
| San Diego County, CA | 16 | 7.375% | 5.9% |
| Santa Cruz County, CA | 15 | 6.625% | 0.0% |
| Monterey County, CA | 13 | 7.500% | 23.5% |
| Sacramento County, CA | 13 | 7.500% | 18.8% |
| San Joaquin County, CA | 13 | 7.500% | 26.3% |
| Placer County, CA | 12 | 7.500% | 14.3% |
| King County, WA | 10 | 6.313% | 14.3% |
| Marin County, CA | 8 | Under 10 loans | 0.0% |
| Cook County, IL | 7 | Under 10 loans | 22.2% |
| San Benito County, CA | 6 | Under 10 loans | 0.0% |
| Sonoma County, CA | 6 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 4 | Under 10 loans | 20.0% |
| Santa Barbara County, CA | 4 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 4 | Under 10 loans | 20.0% |
| Clark County, NV | 4 | Under 10 loans | 0.0% |
| Washoe County, NV | 4 | Under 10 loans | 20.0% |
| Deschutes County, OR | 4 | Under 10 loans | 0.0% |
| Collin County, TX | 4 | Under 10 loans | 0.0% |
| Summit County, UT | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 40.0% |
| Solano County, CA | 3 | Under 10 loans | 25.0% |
| Stanislaus County, CA | 3 | Under 10 loans | 25.0% |
| Ventura County, CA | 3 | Under 10 loans | 25.0% |
| Douglas County, CO | 3 | Under 10 loans | 0.0% |
| Fulton County, GA | 3 | Under 10 loans | 0.0% |
| Middlesex County, MA | 3 | Under 10 loans | 0.0% |
| Fairfax County, VA | 3 | Under 10 loans | 0.0% |
| Calaveras County, CA | 2 | Under 10 loans | 0.0% |
| El Dorado County, CA | 2 | Under 10 loans | 0.0% |
| Fresno County, CA | 2 | Under 10 loans | 33.3% |
| Humboldt County, CA | 2 | Under 10 loans | 0.0% |
| Mendocino County, CA | 2 | Under 10 loans | 0.0% |
| Merced County, CA | 2 | Under 10 loans | 0.0% |
| Napa County, CA | 2 | Under 10 loans | 0.0% |
| Riverside County, CA | 2 | Under 10 loans | 33.3% |
| Broward County, FL | 2 | Under 10 loans | 0.0% |
| DeKalb County, GA | 2 | Under 10 loans | 0.0% |
| Hawaii County, HI | 2 | Under 10 loans | 0.0% |
| Baltimore County, MD | 2 | Under 10 loans | 0.0% |
| Suffolk County, MA | 2 | Under 10 loans | 0.0% |
| Oakland County, MI | 2 | Under 10 loans | 0.0% |
| Jackson County, MO | 2 | Under 10 loans | 0.0% |
| Douglas County, NV | 2 | 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.