# SIERRA CENTRAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/sierra-central-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


SIERRA CENTRAL CREDIT UNION is a credit union, headquartered in Yuba City, CA, with 62 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900URXOKFMBYQ0V69
- **Headquarters:** Yuba City, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.023%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $835
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 62
- **Dollar Volume:** $16 million
- **Applications Received:** 130
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $265,645
- **Average Borrower Income:** $144,032
- **Average Property Value:** $422,742

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 62 | +0.023% | $835 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 31 loans, Score: 20/100 (Mediocre)
- Refinance: 31 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 20/100 | 31 | $10M | -0.137% | Mediocre 😐 |
| Refinance | 52/100 | 31 | $6M | +0.182% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 61 | 0.02% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Yuba City, CA | CA | 16 | 62/100 |
| Non |  | 15 | 34/100 |
| Chico, CA | CA | 12 | 56/100 |
| Sacramento | CA | 11 | 49/100 |

## Where This Lender Ranks

SIERRA CENTRAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Yuba City, CA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does SIERRA CENTRAL CREDIT UNION offer?

SIERRA CENTRAL 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 SIERRA CENTRAL CREDIT UNION offer mortgages?

SIERRA CENTRAL CREDIT UNION offers mortgages in 1 states: CA.

### How competitive are SIERRA CENTRAL CREDIT UNION's mortgage rates?

SIERRA CENTRAL CREDIT UNION has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.023% above market average.

### What type of lender is SIERRA CENTRAL CREDIT UNION?

SIERRA CENTRAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Yuba City, CA.

### What is SIERRA CENTRAL CREDIT UNION's loan approval success rate?

SIERRA CENTRAL CREDIT UNION has a pull-through score of 27/100 (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/sierra-central-credit-union

### How to Cite

> "SIERRA CENTRAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sierra-central-credit-union

---

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