SACRAMENTO Credit Union mortgage approval rate & lending review
SACRAMENTO Credit Union decided 617 mortgage applications and funded 446 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions SACRAMENTO Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
SACRAMENTO Credit Union at a glance
Approval is 8.1 points above the 70.0% 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 | 98% | 117 / 120 | 100% | $415K | 117 |
| Home improvement loans | 72% | 255 / 353 | 89% | $65K | 227 |
| Refinance | 73% | 72 / 98 | 89% | $115K | 64 |
SACRAMENTO Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 78% | $65K | 617 | 446 |
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 SACRAMENTO Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sacramento County, CA | Home improvement loans | 72% | 261 | 168 |
| Sacramento County, CA | Refinance | 72% | 65 | 42 |
| Placer County, CA | Home improvement loans | 84% | 38 | 27 |
| El Dorado County, CA | Home improvement loans | 71% | 35 | 22 |
The county markets where SACRAMENTO Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about SACRAMENTO Credit Union
What is SACRAMENTO Credit Union's mortgage approval rate?
SACRAMENTO Credit Union approved 78.1% of the 617 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.1 points above the 70.0% national rate for the same mix of loan types.
How often do borrowers take the loan SACRAMENTO Credit Union offers?
Borrowers accepted 93% of the loans SACRAMENTO 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 SACRAMENTO Credit Union make?
The typical home improvement loan loan SACRAMENTO Credit Union made was $65K; across all loan types its typical loan ran from $65K to $415K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does SACRAMENTO Credit Union lend?
SACRAMENTO Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to SACRAMENTO Credit Union directly?
Yes. SACRAMENTO Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show SACRAMENTO 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 SACRAMENTO Credit Union treats applications, then get a rate quote from the lender.