All in Federal Credit Union in California vs the state
53.6%Denial rate+36.15 pts vs state
55.6%Decision denial rate+33.16 pts vs state
35.7%Origination rate-20.49 pts vs state
7.00%Median rate+0.38 pts vs state
-0.24Rate spread (pts)-0.51 pts vs state
$134kMedian applicant income
10Loans originated
15Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 7 | 18.5% | 8.25% | #617 |
| 2024 | 11 | 4 | 45.5% | 9.38% | #718 |
| 2025 | 28 | 10 | 53.6% | 7.00% | #600 |
What All in Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most All in Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 6 | 3 | 2 | 33.3% |
| Los Angeles County | 5 | 0 | 5 | 100.0% |
| San Bernardino County | 3 | 1 | 1 | 33.3% |
| Kern County | 2 | 0 | 2 | 100.0% |
| San Francisco County | 1 | 1 | 0 | 0.0% |
| Riverside County | 1 | 0 | 1 | 100.0% |
| San Luis Obispo County | 1 | 1 | 0 | 0.0% |
| Fresno County | 1 | 1 | 0 | 0.0% |
| Amador County | 1 | 0 | 0 | 0.0% |
| Santa Clara County | 1 | 0 | 1 | 100.0% |
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: 28 applications in 2025, of which 10 were originated and 15 denied.
53.6% of all applications, or 55.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans All in Federal Credit Union originated in California in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are All in Federal 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