Sierra Central Credit Union mortgage approval rate & lending review
Sierra Central Credit Union decided 1,066 mortgage applications and funded 752 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sierra Central Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Sierra Central Credit Union at a glance
Approval is 6.6 points below the 77.3% 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 | 84% | 53 / 63 | 98% | $325K | 52 |
| Refinance | 71% | 666 / 937 | 100% | $65K | 665 |
| Investment refinance | 43% | 21 / 49 | 100% | $65K | 21 |
Sierra Central Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 71% | $65K | 1,066 | 752 |
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 Sierra Central Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Butte County, CA | Refinance | 75% | 314 | 234 |
| Shasta County, CA | Refinance | 75% | 259 | 193 |
| Nevada County, CA | Refinance | 68% | 120 | 81 |
| El Dorado County, CA | Refinance | 67% | 107 | 72 |
| Placer County, CA | Refinance | 63% | 84 | 53 |
| Sacramento County, CA | Refinance | 63% | 46 | 29 |
| Butte County, CA | Mortgage lenders | 88% | 25 | 22 |
The county markets where Sierra Central Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Sierra Central Credit Union
What is Sierra Central Credit Union's mortgage approval rate?
Sierra Central Credit Union approved 70.7% of the 1,066 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.6 points below the 77.3% national rate for the same mix of loan types.
How often do borrowers take the loan Sierra Central Credit Union offers?
Borrowers accepted 100% of the loans Sierra Central Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Sierra Central Credit Union make?
The typical mortgage refinance loan Sierra Central Credit Union made was $65K; across all loan types its typical loan ran from $65K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sierra Central Credit Union lend?
Sierra Central Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Sierra Central Credit Union directly?
Yes. Sierra Central Credit Union is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Sierra Central 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 Sierra Central Credit Union treats applications, then get a rate quote from the lender.