CBC Federal Credit Union
CBC Federal Credit Union received 545 applications in 2025 and made 351 mortgages, in 38 counties across 7 states. The median rate its borrowers got was 8.000% on a median loan of $235,000. Of 455 decisions, 104 were denials — 22.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ESNLIWVN3TK065 |
|---|---|
| Applications received | 545 |
| Mortgages made | 351 |
| Denied | 104 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 90 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 8.108 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 | 48 | 6.000% | $1,090,000 | 0.0% |
| Refinancing | 17 | 6.250% | $935,000 | 19.1% |
| Cash-out refinancing | 58 | 8.000% | $255,000 | 19.4% |
| Other purposes | 228 | 8.000% | $170,000 | 27.4% |
Where CBC Federal Credit Union lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ventura County, CA | 154 | 8.000% | 33.3% |
| Los Angeles County, CA | 69 | 8.000% | 12.7% |
| Santa Clara County, CA | 26 | 8.000% | 16.1% |
| San Diego County, CA | 15 | 8.000% | 6.3% |
| Orange County, CA | 14 | 7.625% | 12.5% |
| Alameda County, CA | 8 | Under 10 loans | 0.0% |
| El Paso County, CO | 8 | Under 10 loans | 0.0% |
| Sacramento County, CA | 7 | Under 10 loans | 0.0% |
| San Mateo County, CA | 5 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 5 | Under 10 loans | 16.7% |
| Maricopa County, AZ | 4 | Under 10 loans | 20.0% |
| Contra Costa County, CA | 4 | Under 10 loans | 0.0% |
| Monterey County, CA | 3 | Under 10 loans | 0.0% |
| Placer County, CA | 3 | Under 10 loans | 0.0% |
| Riverside County, CA | 3 | Under 10 loans | 40.0% |
| El Dorado County, CA | 2 | Under 10 loans | 0.0% |
| San Francisco County, CA | 2 | Under 10 loans | 0.0% |
| Boulder County, CO | 2 | Under 10 loans | 0.0% |
| Clark County, NV | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Mendocino County, CA | 1 | Under 10 loans | 0.0% |
| San Benito County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 66.7% |
| San Joaquin County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Washoe County, NV | 1 | Under 10 loans | 0.0% |
| York County, PA | 1 | Under 10 loans | 0.0% |
| Jefferson County, WA | 1 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 0 | Under 10 loans | 100.0% |
| Tulare County, CA | 0 | Under 10 loans | 100.0% |
| Yuba County, CA | 0 | Under 10 loans | 100.0% |
| Hennepin County, MN | 0 | Under 10 loans | Not published |
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When CBC 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.