# ORANGE COUNTY'S CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/orange-countys-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ORANGE COUNTY'S CREDIT UNION is a credit union, headquartered in Santa Ana, CA, with 83 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 44% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300KDDWLC5I8K6C44
- **Headquarters:** Santa Ana, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.158%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,118
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 83
- **Dollar Volume:** $43 million
- **Applications Received:** 214
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $522,470
- **Average Borrower Income:** $162,145
- **Average Property Value:** $992,952

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 80 | +0.155% | $1,139 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 35 loans, Score: 24/100 (Acceptable)
- Refinance: 45 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 37 | $22M | +0.246% | Acceptable 🙂 |
| Refinance | 48/100 | 46 | $22M | +0.077% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 83 | 0.03% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Anaheim | CA | 49 | 70/100 |
| Riverside | CA | 17 | 52/100 |
| Los Angeles | CA | 12 | 47/100 |

## Where This Lender Ranks

ORANGE COUNTY'S CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Anaheim Credit Unions
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Anaheim for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does ORANGE COUNTY'S CREDIT UNION offer?

ORANGE COUNTY'S CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ORANGE COUNTY'S CREDIT UNION offer mortgages?

ORANGE COUNTY'S CREDIT UNION offers mortgages in 1 states: CA.

### How competitive are ORANGE COUNTY'S CREDIT UNION's mortgage rates?

ORANGE COUNTY'S CREDIT UNION has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.158% above market average.

### What type of lender is ORANGE COUNTY'S CREDIT UNION?

ORANGE COUNTY'S CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Santa Ana, CA.

### What is ORANGE COUNTY'S CREDIT UNION's loan approval success rate?

ORANGE COUNTY'S CREDIT UNION has a pull-through score of 24/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/orange-countys-credit-union

### How to Cite

> "ORANGE COUNTY'S CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/orange-countys-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/orange-countys-credit-union)**