California Credit Union mortgage approval rate & lending review
California Credit Union decided 5,975 mortgage applications and funded 3,462 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions California Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
California Credit Union at a glance
Approval is 6.0 points below the 69.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,254 / 1,348 | 91% | $845K | 1,138 |
| Home improvement loans | 50% | 1,911 / 3,789 | 91% | $135K | 1,738 |
| Cash-out refinance | 80% | 245 / 306 | 92% | $185K | 226 |
| Refinance | 81% | 327 / 402 | 90% | $905K | 293 |
| Investment property purchase | 78% | 40 / 51 | 92% | $415K | 37 |
| Investment cash-out refinance | 78% | 31 / 40 | 90% | $215K | 28 |
| Investment home improvement | 0% | 0 / 36 | — | — | 0 |
California Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 64% | $135K | 5,965 | 3,462 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where California Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 48% | 2,121 | 918 |
| San Diego County, CA | Home improvement loans | 57% | 1,233 | 656 |
| San Diego County, CA | Mortgage lenders | 94% | 676 | 572 |
| San Diego County, CA | Refinance | 86% | 169 | 130 |
| San Diego County, CA | Cash-out refinance | 82% | 94 | 65 |
| Riverside County, CA | Home improvement loans | 49% | 101 | 42 |
| San Bernardino County, CA | Home improvement loans | 46% | 102 | 42 |
| Orange County, CA | Home improvement loans | 39% | 100 | 35 |
| Ventura County, CA | Home improvement loans | 44% | 68 | 29 |
The county markets where California Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about California Credit Union
What is California Credit Union's mortgage approval rate?
California Credit Union approved 63.8% of the 5,975 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.0 points below the 69.7% national rate for the same mix of loan types.
How often do borrowers take the loan California Credit Union offers?
Borrowers accepted 91% of the loans California Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does California Credit Union make?
The typical home improvement loan loan California Credit Union made was $135K; across all loan types its typical loan ran from $135K to $905K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does California Credit Union lend?
California Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in California, Arizona and Florida.
Can I apply to California Credit Union directly?
Yes. California Credit Union is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show California Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how California Credit Union treats applications, then get a rate quote from the lender.