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Uncle Credit Union

LIVERMORE, CA

Uncle Credit Union processed 570 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 289 loans with a 24.9% denial rate. Home Improvement was the primary loan purpose. Based in LIVERMORE, CA. The approval rate of 50.7% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Uncle Credit Union's 50.7% origination rate tells you how often an application turned into funded money; the 24.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (570 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

570
Applications
289
Originated
24.9%
Denial Rate
$277,772
Avg Loan Amount
Avg Interest Rate: 7.384% Avg Applicant Income: $40,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 570 289 142 $277,772

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Uncle Credit Union (LEI: 8945004XZN3PZQZJW178) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
88
Credit history
44
Collateral
25
Other
18
Unverifiable information
12

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 213 119 $160,681
Other 189 85 $127,116
Home Purchase 84 37 $702,976
Refinancing 70 40 $503,143
Cash-out Refinancing 14 8 $415,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 258 57.0% 23.3%
Asian 118 51.7% 23.7%
Black or African American * 38 39.5% 39.5%
Joint * 12 33.3% 8.3%
Native Hawaiian or Other Pacific Islander * 10 50.0% 40.0%
American Indian or Alaska Native * 7 42.9% 28.6%
2 or more minority races * 2 50.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 368 51.9% 24.2%
Hispanic or Latino 96 39.6% 33.3%
Joint * 15 73.3% 13.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in CA

Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.

Pennymac Loan Services LLC

WESTLAKE VILLAGE, CA

384,816 apps 67,294 originated 4.7% denied

Bank of America NA

Westlake Village, CA

233,637 apps 83,165 originated 34.6% denied

AmeriHome Mortgage Company, LLC

Thousand Oaks, CA

149,937 apps 6,250 originated 0.8% denied

Loandepot.Com, LLC

IRVINE, CA

142,924 apps 79,418 originated 23.3% denied

New American Funding, LLC.

TUSTIN, CA

118,479 apps 48,639 originated 11.1% denied
Compare Uncle Credit Union vs Pennymac Loan Services LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Uncle Credit Union process?
Uncle Credit Union processed 570 mortgage applications in the 2024 HMDA reporting year. Of these, 289 were originated (approved and funded), 131 were withdrawn by the applicant, and 142 were denied.
What is Uncle Credit Union's mortgage approval rate?
Uncle Credit Union has an approval (origination) rate of 50.7%, meaning 50.7% of all applications resulted in a funded mortgage. The denial rate is 24.9%.
What is the average loan amount at Uncle Credit Union?
The average mortgage loan amount at Uncle Credit Union is $277,772. The average interest rate is 7.384%. The average applicant income is $40,000.
What are the most common reasons for mortgage denial at Uncle Credit Union?
The most common reasons for mortgage denial at Uncle Credit Union are: Debt-to-income ratio, Credit history, Collateral. In total, 142 applications were denied out of 570 total applications.
What types of mortgage loans does Uncle Credit Union offer?
Uncle Credit Union processes Conventional loans. The most common type is Conventional with 570 applications and an average loan amount of $277,772.
What loan purposes does Uncle Credit Union serve?
Uncle Credit Union serves the following loan purposes: Home Improvement (213 applications), Other (189 applications), Home Purchase (84 applications), Refinancing (70 applications), Cash-out Refinancing (14 applications). Home Improvement is the most common purpose.
Where is Uncle Credit Union located?
Uncle Credit Union is headquartered in LIVERMORE, CA. The lender is identified by LEI 8945004XZN3PZQZJW178 in HMDA data.
How does Uncle Credit Union compare in lending across racial demographics?
Uncle Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 57.0% and denial rate of 23.3%; Asian applicants have an approval rate of 51.7% and denial rate of 23.7%; Black or African American applicants have an approval rate of 39.5% and denial rate of 39.5%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.