Lender in California · HMDA 2025
Stanford Federal Credit Union mortgages in California
Stanford Federal Credit Union's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Stanford Federal Credit Union originated 290 owner-occupied single-family loans in California from 302 completed applications.
Its median conventional purchase loan costs were $5,680 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
290
of 302 applications
Denial rate
0.4%
Purchase · CA 8.9%
Rate spread
−0.00 pts
Conv. · CA +0.09 pts
Loan amount
$875,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 231 | 225 | 0.4% | 6.500% | −0.00 pts | $5,680 | $875,000 |
| Refinance | 50 | 46 | 6.0% | — | −0.40 pts | $2,870 | $805,000 |
| Cash-out refinance | 21 | 19 | 4.8% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where Stanford Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Mateo County | 15 | 84 | 1.4% |
| Mono County | 24 | 1 | 0.9% |
| Inyo County | 25 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology