MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION
MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION received 146 applications in 2025 and made 119 mortgages, in 1 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $115,000. Of 135 decisions, 12 were denials — 8.9%, most often for debt-to-income ratio. 45 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300Y37WHI3S8KVE74 |
|---|---|
| Applications received | 146 |
| Mortgages made | 119 |
| Denied | 12 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 18 | Not published | $355,000 | 4.8% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 25 | Not published | $205,000 | 10.3% |
| Other purposes | 73 | Not published | $85,000 | 9.8% |
Where MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION lends most
The 1 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Merced County, CA | 103 | Not published | 8.6% |
Get told when this changes
When MERCED SCHOOL EMPLOYEES FEDERAL 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.