1st United Services Credit Union in California vs the state
34.7%Denial rate+17.30 pts vs state
37.6%Decision denial rate+15.15 pts vs state
52.2%Origination rate-4.00 pts vs state
5.50%Median rate-1.13 pts vs state
-1.70Rate spread (pts)-1.97 pts vs state
$176kMedian applicant income
415Loans originated
276Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 996 | 483 | 39.5% | 6.50% | #134 |
| 2024 | 891 | 445 | 36.5% | 6.50% | #171 |
| 2025 | 795 | 415 | 34.7% | 5.50% | #195 |
What 1st United Services Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most 1st United Services Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Alameda County | 398 | 221 | 126 | 31.7% |
| Contra Costa County | 184 | 95 | 71 | 38.6% |
| San Joaquin County | 50 | 26 | 18 | 36.0% |
| Solano County | 19 | 9 | 9 | 47.4% |
| Stanislaus County | 16 | 9 | 7 | 43.8% |
| Sacramento County | 15 | 9 | 5 | 33.3% |
| Santa Clara County | 8 | 5 | 1 | 12.5% |
| Los Angeles County | 7 | 3 | 4 | 57.1% |
| Placer County | 6 | 3 | 1 | 16.7% |
| San Diego County | 6 | 2 | 4 | 66.7% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 795 applications in 2025, of which 415 were originated and 276 denied.
34.7% of all applications, or 37.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans 1st United Services Credit Union originated in California in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are 1st United Services Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology