SIERRA CENTRAL CREDIT UNION
SIERRA CENTRAL CREDIT UNION received 707 applications in 2025 and made 419 mortgages, in 29 counties across 1 state. The median rate its borrowers got was 7.750% on a median loan of $95,000. Of 591 decisions, 171 were denials — 28.9%, most often for debt-to-income ratio. 18 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900URXOKFMBYQ0V69 |
|---|---|
| Applications received | 707 |
| Mortgages made | 419 |
| Denied | 171 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 116 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.05 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 | 38 | 6.188% | $255,000 | 13.3% |
| Refinancing | 381 | 8.250% | $85,000 | 30.2% |
Where SIERRA CENTRAL CREDIT UNION lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Butte County, CA | 99 | 7.125% | 21.4% |
| Shasta County, CA | 70 | 8.125% | 31.4% |
| Sutter County, CA | 47 | 8.250% | 26.6% |
| Yuba County, CA | 37 | 8.250% | 31.5% |
| Nevada County, CA | 31 | 7.750% | 35.4% |
| Tehama County, CA | 31 | 8.250% | 22.5% |
| El Dorado County, CA | 29 | 7.875% | 27.5% |
| Placer County, CA | 21 | 7.625% | 38.2% |
| Lassen County, CA | 14 | 6.688% | 6.7% |
| Glenn County, CA | 9 | Under 10 loans | 47.1% |
| Sacramento County, CA | 8 | Under 10 loans | 57.9% |
| Colusa County, CA | 5 | Under 10 loans | 0.0% |
| Plumas County, CA | 4 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 3 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 0.0% |
| Sierra County, CA | 2 | Under 10 loans | 0.0% |
| Inyo County, CA | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Siskiyou County, CA | 1 | Under 10 loans | 50.0% |
| Tulare County, CA | 1 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 50.0% |
| Amador County, CA | 0 | Under 10 loans | 100.0% |
| Calaveras County, CA | 0 | Under 10 loans | 100.0% |
| Marin County, CA | 0 | Under 10 loans | Not published |
| San Bernardino County, CA | 0 | Under 10 loans | 100.0% |
| San Mateo County, CA | 0 | Under 10 loans | Not published |
| Sonoma County, CA | 0 | Under 10 loans | 100.0% |
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When SIERRA CENTRAL 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.