USC Credit Union
USC Credit Union received 205 applications in 2025 and made 144 mortgages, in 15 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $255,000. Of 193 decisions, 36 were denials — 18.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549001EL4XFDHGNJO24 |
|---|---|
| Applications received | 205 |
| Mortgages made | 144 |
| Denied | 36 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.098 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 | 40 | 6.125% | $600,000 | 2.2% |
| Refinancing | 27 | 5.990% | $455,000 | 15.2% |
| Cash-out refinancing | 11 | 5.990% | $695,000 | 8.3% |
| Other purposes | 66 | 7.375% | $105,000 | 28.4% |
Where USC 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 |
|---|---|---|---|
| Los Angeles County, CA | 93 | 7.000% | 21.4% |
| Orange County, CA | 16 | 6.500% | 10.5% |
| San Bernardino County, CA | 10 | 7.063% | 15.4% |
| Riverside County, CA | 7 | Under 10 loans | 12.5% |
| Ventura County, CA | 5 | Under 10 loans | 16.7% |
| Kern County, CA | 3 | Under 10 loans | 0.0% |
| Sacramento County, CA | 3 | Under 10 loans | 0.0% |
| San Francisco County, CA | 2 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 0.0% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 0 | Under 10 loans | 0.0% |
| Nevada County, CA | 0 | Under 10 loans | 100.0% |
| Placer County, CA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When USC Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.