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CCU

California Credit Union

Credit UnionGlendale, CAHQDirectReviews near you on Google

We analyzed every closed loan from California Credit Union 412 loans across 910 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Single State · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

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Report Card

California Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
318 loans
Sound
Top 60% of lenders
3/5
Jumbo
94 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
323 loans
Sound
Top 60% of lenders
3/5
Refinance
89 loans
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Single State · 4 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Pull Through
Acceptable
Volume318
Mix77.2%
Spread
Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Sound
Volume94
Mix22.8%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Pull Through
Acceptable
Volume323
Mix78.4%
Spread
Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume89
Mix21.6%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
412
Applications
910
Volume
$323 million
Pricing & Closing
Pullthrough Rate
45.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$786,165
Avg Borrower Income
$262,711

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
All statesNone
West1
CA

Top Metro Areas by Place Specialization Score

Volume 188Mix 45.63% of portfolio
79/100
Strong
2© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 119Mix 28.88% of portfolio
71/100
Strong
Volume 39Mix 9.47% of portfolio
61/100
Strong
Volume 53Mix 12.86% of portfolio
61/100
Strong

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 412Mix 100.00% of portfolio
75/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.