EXCITE Credit Union
EXCITE Credit Union received 52 applications in 2025 and made 29 mortgages, in 19 counties across 3 states. The median rate its borrowers got was 6.125% on a median loan of $385,000. Of 45 decisions, 10 were denials — 22.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DFCG6GF21KOW34 |
|---|---|
| Applications received | 52 |
| Mortgages made | 29 |
| Denied | 10 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.366 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 | 20 | 6.188% | $500,000 | 13.8% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where EXCITE Credit Union lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Santa Clara County, CA | 8 | Under 10 loans | 11.1% |
| New Hanover County, NC | 8 | Under 10 loans | 25.0% |
| Brunswick County, NC | 4 | Under 10 loans | 25.0% |
| Alameda County, CA | 2 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| San Benito County, CA | 1 | Under 10 loans | 0.0% |
| Carteret County, NC | 1 | Under 10 loans | 0.0% |
| Columbus County, NC | 1 | Under 10 loans | 0.0% |
| Pender County, NC | 1 | Under 10 loans | 0.0% |
| Calaveras County, CA | 0 | Under 10 loans | 100.0% |
| Sacramento County, CA | 0 | Under 10 loans | Not published |
| Shasta County, CA | 0 | Under 10 loans | 0.0% |
| Solano County, CA | 0 | Under 10 loans | 100.0% |
| Catawba County, NC | 0 | Under 10 loans | 100.0% |
| Forsyth County, NC | 0 | Under 10 loans | Not published |
| Onslow County, NC | 0 | Under 10 loans | 0.0% |
| Kitsap County, WA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When EXCITE 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.