I.L.W.U.
I.L.W.U. received 118 applications in 2025 and made 58 mortgages, in 23 counties across 8 states. The median rate its borrowers got was 7.240% on a median loan of $150,000. Of 90 decisions, 25 were denials — 27.8%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300THBFHMP4WJ0323 |
|---|---|
| Applications received | 118 |
| Mortgages made | 58 |
| Denied | 25 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 28 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.384 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 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | 66.7% |
| Cash-out refinancing | 49 | 7.240% | $135,000 | 29.3% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 25.0% |
Where I.L.W.U. 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 | 31 | 7.240% | 28.6% |
| Riverside County, CA | 5 | Under 10 loans | 0.0% |
| Orange County, CA | 4 | Under 10 loans | 16.7% |
| San Bernardino County, CA | 3 | Under 10 loans | 25.0% |
| Sacramento County, CA | 2 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 2 | Under 10 loans | 0.0% |
| Honolulu County, HI | 2 | Under 10 loans | 50.0% |
| Ketchikan Gateway Borough, AK | 1 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 66.7% |
| Contra Costa County, CA | 1 | Under 10 loans | 75.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Hawaii County, HI | 1 | Under 10 loans | 0.0% |
| Bonneville County, ID | 1 | Under 10 loans | 0.0% |
| Canyon County, ID | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 0 | Under 10 loans | Not published |
| Solano County, CA | 0 | Under 10 loans | 100.0% |
| Yolo County, CA | 0 | Under 10 loans | 0.0% |
| Clark County, NV | 0 | Under 10 loans | 100.0% |
| Douglas County, NV | 0 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 0 | Under 10 loans | Not published |
| King County, WA | 0 | Under 10 loans | Not published |
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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.