Lender in California · HMDA 2025
Sunward Federal Credit Union mortgages in California
Sunward Federal Credit Union's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Sunward Federal Credit Union originated 265 owner-occupied single-family loans in California from 268 completed applications.
Its median conventional purchase loan costs were $6,310 versus $7,920 for all California lenders.
Loans in CA
265
of 268 applications
Denial rate
0.6%
Purchase · CA 8.9%
Rate spread
−0.39 pts
Conv. · CA +0.09 pts
Loan amount
$895,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 159 | 158 | 0.6% | — | −0.39 pts | $6,310 | $895,000 |
| Refinance | 102 | 101 | 1.0% | — | −0.46 pts | $3,890 | $835,000 |
| Cash-out refinance | 7 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where Sunward Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Alameda County | 25 | 118 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology