ORANGE COUNTY'S CREDIT UNION
ORANGE COUNTY'S CREDIT UNION received 2,147 applications in 2025 and made 1,142 mortgages, in 24 counties across 2 states. The median rate its borrowers got was 7.625% on a median loan of $155,000. Of 1,734 decisions, 568 were denials — 32.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300KDDWLC5I8K6C44 |
|---|---|
| Applications received | 2,147 |
| Mortgages made | 1,142 |
| Denied | 568 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 413 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.585 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 | 135 | 6.750% | $445,000 | 11.4% |
| Refinancing | 35 | 6.500% | $455,000 | 36.8% |
| Cash-out refinancing | 972 | 7.625% | $145,000 | 34.8% |
Where ORANGE COUNTY'S CREDIT UNION lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Orange County, CA | 743 | 7.625% | 32.0% |
| Riverside County, CA | 140 | 7.625% | 32.1% |
| Los Angeles County, CA | 133 | 7.625% | 38.7% |
| San Bernardino County, CA | 39 | 7.625% | 41.2% |
| Santa Barbara County, CA | 30 | 6.125% | 3.2% |
| Ventura County, CA | 21 | 6.375% | 0.0% |
| San Diego County, CA | 17 | 7.625% | 41.4% |
| Sacramento County, CA | 4 | Under 10 loans | 50.0% |
| Kern County, CA | 3 | Under 10 loans | 40.0% |
| Placer County, CA | 3 | Under 10 loans | 0.0% |
| Butte County, CA | 1 | Under 10 loans | 66.7% |
| Fresno County, CA | 1 | Under 10 loans | 50.0% |
| Madera County, CA | 1 | Under 10 loans | 75.0% |
| Mendocino County, CA | 1 | Under 10 loans | 50.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 50.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Churchill County, NV | 1 | Under 10 loans | 0.0% |
| Carson City, NV | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 0 | Under 10 loans | Not published |
| San Benito County, CA | 0 | Under 10 loans | 100.0% |
| San Francisco County, CA | 0 | Under 10 loans | 100.0% |
| San Luis Obispo County, CA | 0 | Under 10 loans | Not published |
| Tulare County, CA | 0 | Under 10 loans | 100.0% |
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When ORANGE COUNTY'S 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.