American First Credit Union in California vs the state
22.7%Denial rate+5.31 pts vs state
27.0%Decision denial rate+4.63 pts vs state
56.3%Origination rate+0.05 pts vs state
6.88%Median rate+0.25 pts vs state
0.69Rate spread (pts)+0.42 pts vs state
$144kMedian applicant income
99Loans originated
40Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 209 | 102 | 20.1% | 7.13% | #337 |
| 2024 | 181 | 65 | 22.1% | 7.13% | #362 |
| 2025 | 176 | 99 | 22.7% | 6.88% | #381 |
What American First Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American First Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 65 | 42 | 11 | 16.9% |
| Los Angeles County | 44 | 22 | 16 | 36.4% |
| Riverside County | 21 | 13 | 4 | 19.0% |
| San Bernardino County | 20 | 12 | 1 | 5.0% |
| San Diego County | 5 | 4 | 0 | 0.0% |
| San Francisco County | 2 | 0 | 2 | 100.0% |
| Contra Costa County | 2 | 2 | 0 | 0.0% |
| Imperial County | 2 | 0 | 1 | 50.0% |
| Kern 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: 176 applications in 2025, of which 99 were originated and 40 denied.
22.7% of all applications, or 27.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American First Credit Union originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are American First 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