UNCLE Credit Union
UNCLE Credit Union received 479 applications in 2025 and made 271 mortgages, in 44 counties across 18 states. The median rate its borrowers got was 6.490% on a median loan of $155,000. Of 389 decisions, 118 were denials — 30.3%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 8945004XZN3PZQZJW178 |
|---|---|
| Applications received | 479 |
| Mortgages made | 271 |
| Denied | 118 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 90 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.61 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 | 13 | 6.000% | $875,000 | 7.1% |
| Refinancing | 33 | 6.490% | $295,000 | 21.4% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 218 | 6.740% | $125,000 | 33.1% |
Where UNCLE Credit Union lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Alameda County, CA | 96 | 6.490% | 17.2% |
| San Joaquin County, CA | 79 | 6.490% | 31.3% |
| Contra Costa County, CA | 32 | 6.490% | 20.0% |
| Santa Clara County, CA | 12 | 7.490% | 36.8% |
| Stanislaus County, CA | 8 | Under 10 loans | 42.9% |
| Riverside County, CA | 5 | Under 10 loans | 28.6% |
| Sacramento County, CA | 5 | Under 10 loans | 37.5% |
| Calaveras County, CA | 4 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 4 | Under 10 loans | 50.0% |
| Solano County, CA | 4 | Under 10 loans | 20.0% |
| El Dorado County, CA | 3 | Under 10 loans | 40.0% |
| San Diego County, CA | 3 | Under 10 loans | 50.0% |
| San Mateo County, CA | 3 | Under 10 loans | 25.0% |
| Fresno County, CA | 2 | Under 10 loans | 33.3% |
| Placer County, CA | 2 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 2 | Under 10 loans | 0.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| Monterey County, CA | 1 | Under 10 loans | 50.0% |
| Nevada County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| Mariposa County, CA | 0 | Under 10 loans | 100.0% |
| Santa Barbara County, CA | 0 | Under 10 loans | 100.0% |
| Jefferson County, CO | 0 | Under 10 loans | 100.0% |
| Wayne County, IN | 0 | Under 10 loans | 100.0% |
| Charles County, MD | 0 | Under 10 loans | 100.0% |
| Alpena County, MI | 0 | Under 10 loans | 100.0% |
| Wright County, MN | 0 | Under 10 loans | 100.0% |
| Harrison County, MS | 0 | Under 10 loans | 100.0% |
| Washoe County, NV | 0 | Under 10 loans | 100.0% |
| Clinton County, NY | 0 | Under 10 loans | 100.0% |
| Bladen County, NC | 0 | Under 10 loans | 100.0% |
| Greene County, OH | 0 | Under 10 loans | 100.0% |
| Deschutes County, OR | 0 | Under 10 loans | 100.0% |
| Multnomah County, OR | 0 | Under 10 loans | 100.0% |
| Davidson County, TN | 0 | Under 10 loans | 100.0% |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
| Harris County, TX | 0 | Under 10 loans | 100.0% |
| Newport News city, VA | 0 | Under 10 loans | Not published |
| Clark County, WA | 0 | Under 10 loans | 100.0% |
| Berkeley County, WV | 0 | Under 10 loans | 100.0% |
Get told when this changes
When UNCLE 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.