Lender in California · HMDA 2025
California Credit Union mortgages in California
California Credit Union's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
California Credit Union originated 620 owner-occupied single-family loans in California from 706 completed applications.
Its median conventional purchase loan costs were $0 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.25% (California: 6.625%).
Loans in CA
620
of 706 applications
Denial rate
3.0%
Purchase · CA 8.9%
Rate spread
−0.63 pts
Conv. · CA +0.09 pts
Loan amount
$765,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 404 | 360 | 3.0% | 6.250% | −0.63 pts | $0 | $765,000 |
| Refinance | 224 | 195 | 5.8% | — | −0.67 pts | $0 | $865,000 |
| Cash-out refinance | 78 | 65 | 10.3% | 6.625% | −0.09 pts | $1,320 | $355,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where California Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Diego County | 20 | 294 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology