San Diego County Credit Union mortgage approval rate & lending review
San Diego County Credit Union decided 2,567 mortgage applications and funded 1,572 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions San Diego County Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
San Diego County Credit Union at a glance
Approval is 5.8 points below the 68.0% 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 | 68% | 202 / 295 | 99% | $155K | 199 |
| Home improvement loans | 62% | 1,077 / 1,738 | 99% | $75K | 1,061 |
| Cash-out refinance | 68% | 42 / 62 | 95% | $255K | 40 |
| Refinance | 62% | 273 / 437 | 98% | $135K | 267 |
San Diego County Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 62% | $75K | 2,567 | 1,572 |
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 San Diego County Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Diego County, CA | Home improvement loans | 62% | 1,470 | 897 |
| San Diego County, CA | Refinance | 64% | 367 | 229 |
| San Diego County, CA | Mortgage lenders | 67% | 246 | 162 |
| Riverside County, CA | Home improvement loans | 61% | 179 | 109 |
| Orange County, CA | Home improvement loans | 63% | 52 | 33 |
| Riverside County, CA | Refinance | 52% | 44 | 23 |
The county markets where San Diego County Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about San Diego County Credit Union
What is San Diego County Credit Union's mortgage approval rate?
San Diego County Credit Union approved 62.3% of the 2,567 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.8 points below the 68.0% national rate for the same mix of loan types.
How often do borrowers take the loan San Diego County Credit Union offers?
Borrowers accepted 98% of the loans San Diego County 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 San Diego County Credit Union make?
The typical home improvement loan loan San Diego County Credit Union made was $75K; across all loan types its typical loan ran from $75K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does San Diego County Credit Union lend?
San Diego County Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to San Diego County Credit Union directly?
Yes. San Diego County Credit Union is a bank or credit union with 40 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show San Diego County 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 San Diego County Credit Union treats applications, then get a rate quote from the lender.