CREDIT UNION OF SOUTHERN CALIFORNIA
CREDIT UNION OF SOUTHERN CALIFORNIA received 1,787 applications in 2025 and made 913 mortgages, in 23 counties across 2 states. The median rate its borrowers got was 3.990% on a median loan of $175,000. Of 1,478 decisions, 553 were denials — 37.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549005DO6VPVH5MOS59 |
|---|---|
| Applications received | 1,787 |
| Mortgages made | 913 |
| Denied | 553 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 309 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.26 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 | 56 | 6.020% | $675,000 | 0.0% |
| Refinancing | 52 | 6.000% | $1,050,000 | 20.0% |
| Cash-out refinancing | 259 | 3.990% | $205,000 | 58.2% |
| Other purposes | 546 | 3.990% | $140,000 | 23.9% |
Where CREDIT UNION OF SOUTHERN CALIFORNIA lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 483 | 3.990% | 38.1% |
| Orange County, CA | 179 | 3.990% | 34.8% |
| San Bernardino County, CA | 133 | 3.990% | 34.6% |
| Riverside County, CA | 69 | 3.990% | 48.5% |
| Mohave County, AZ | 27 | 3.990% | 15.2% |
| Ventura County, CA | 7 | Under 10 loans | 41.7% |
| San Diego County, CA | 6 | Under 10 loans | 0.0% |
| Fresno County, CA | 2 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 50.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 50.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 0 | Under 10 loans | 100.0% |
| El Dorado County, CA | 0 | Under 10 loans | 100.0% |
| Imperial County, CA | 0 | Under 10 loans | Not published |
| Madera County, CA | 0 | Under 10 loans | 100.0% |
| San Joaquin County, CA | 0 | Under 10 loans | Not published |
| San Mateo County, CA | 0 | Under 10 loans | 100.0% |
| Sonoma County, CA | 0 | Under 10 loans | Not published |
| Stanislaus County, CA | 0 | Under 10 loans | Not published |
| Tulare County, CA | 0 | Under 10 loans | 100.0% |
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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.