MEMBERS 1ST CREDIT UNION
MEMBERS 1ST CREDIT UNION received 97 applications in 2025 and made 49 mortgages, in 7 counties across 2 states. The median rate its borrowers got was 7.990% on a median loan of $65,000. Of 77 decisions, 27 were denials — 35.1%, most often for credit history.
| Legal Entity Identifier | 5493006MW6O2CE88BD43 |
|---|---|
| Applications received | 97 |
| Mortgages made | 49 |
| Denied | 27 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.68 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 | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Refinancing | 14 | 7.990% | $85,000 | 48.2% |
| Cash-out refinancing | 12 | 7.990% | $50,000 | 33.3% |
| Other purposes | 18 | 7.990% | $55,000 | 25.0% |
Where MEMBERS 1ST CREDIT UNION lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shasta County, CA | 31 | 7.990% | 37.3% |
| Butte County, CA | 10 | 7.990% | 28.6% |
| Tehama County, CA | 5 | Under 10 loans | 28.6% |
| Trinity County, CA | 2 | Under 10 loans | 33.3% |
| Siskiyou County, CA | 1 | Under 10 loans | 0.0% |
| Lassen County, CA | 0 | Under 10 loans | Not published |
| Larimer County, CO | 0 | Under 10 loans | 100.0% |
Get told when this changes
When MEMBERS 1ST CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.