Yolo Federal Credit Union
Yolo Federal Credit Union received 96 applications in 2025 and made 51 mortgages, in 6 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $105,000. Of 87 decisions, 36 were denials — 41.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900EHOJ91PS23E696 |
|---|---|
| Applications received | 96 |
| Mortgages made | 51 |
| Denied | 36 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cash-out refinancing | 13 | 7.000% | $205,000 | 65.8% |
| Other purposes | 32 | 6.500% | $95,000 | 20.0% |
Where Yolo Federal Credit Union lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Yolo County, CA | 39 | 6.500% | 39.1% |
| Sacramento County, CA | 5 | Under 10 loans | 61.5% |
| Solano County, CA | 3 | Under 10 loans | 25.0% |
| Yuba County, CA | 2 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 66.7% |
| Sutter County, CA | 1 | Under 10 loans | 0.0% |
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When Yolo Federal 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.