STRATA Credit Union
STRATA Credit Union received 283 applications in 2025 and made 167 mortgages, in 7 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $75,000. Of 262 decisions, 92 were denials — 35.1%, 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 | 549300NXYX3K4WQSGJ17 |
|---|---|
| Applications received | 283 |
| Mortgages made | 167 |
| Denied | 92 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.16 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 | 23 | 6.125% | $415,000 | 7.7% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 52.6% |
| Other purposes | 130 | 7.500% | $55,000 | 36.5% |
Where STRATA Credit Union lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kern County, CA | 163 | 7.500% | 34.7% |
| Tulare County, CA | 2 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| Madera County, CA | 1 | Under 10 loans | 0.0% |
| Kings County, CA | 0 | Under 10 loans | 100.0% |
| Sacramento County, CA | 0 | Under 10 loans | 100.0% |
| Miami-Dade County, FL | 0 | Under 10 loans | 100.0% |
Get told when this changes
When STRATA 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.