Lender in California · HMDA 2025
Patelco Credit Union mortgages in California
Patelco Credit Union's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Patelco Credit Union originated 445 owner-occupied single-family loans in California from 517 completed applications.
Loans in CA
445
of 517 applications
Denial rate
6.5%
Purchase · CA 8.9%
Rate spread
−0.50 pts
Conv. · CA +0.09 pts
Loan amount
$1,005,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 337 | 302 | 6.5% | 6.625% | −0.50 pts | — | $1,005,000 |
| Refinance | 119 | 92 | 6.7% | — | −0.50 pts | — | $965,000 |
| Cash-out refinance | 61 | 51 | 11.5% | — | +0.07 pts | — | $235,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Patelco Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Alameda County | 16 | 158 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology