Monterra Credit Union reported 654 applications for homes in California in the HMDA data of 2025.
It originated 367 loans in the state in 2025, for $143 million in total.
The median interest rate of these loans in 2025 was 5.875%, and the median of all lenders in California was 6.375%.
This page shows no median total loan costs for California, because fewer than 20 loans report the amount.
It denied 32.5% of the applications that it decided in the state in 2025, and the state denial rate was 22.4%.
Filed figures of Monterra Credit Union in California, 2025
Figure
In CA
Lender, all states
CA, all lenders
Applications
654
654
1,018,191
Loans originated
367
367
572,268
Median interest rate
5.875%
5.875%
6.375%
Median total loan costs
n/a
n/a
$8,053
Denial rate
32.5%
32.5%
22.4%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Monterra Credit Union in California, 2025Each value has the median of all lenders in California under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in CA
123
5.875%CA 6.375%
n/aCA $8,053
$37CA $2,357
$770CA $3,758
$685CA $1,535
−0.366CA 0.082
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.366 percentage points below the average prime offer rate. On a loan of $300,000, that is about $1,098 less a year, or $92 less a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in California. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Monterra Credit Union were in California in 2025?
367 of its loans originated, out of 367 in all states. That is 100.0%.
In which counties of California did Monterra Credit Union originate the most loans in 2025?
The three with the most loans were San Mateo County (211), Alameda County (38) and Santa Clara County (26).
Which loan types did Monterra Credit Union originate in California in 2025?
All its loans in the state were of one type: 367 conventional.
How did the applications of Monterra Credit Union in California change from 2022 to 2025?
It reported 453 applications in 2022 and 654 in 2025.