American United Federal Credit Union in California vs the state
40.0%Denial rate+22.58 pts vs state
46.2%Decision denial rate+23.75 pts vs state
46.7%Origination rate-9.53 pts vs state
7.50%Median rate+0.88 pts vs state
1.21Rate spread (pts)+0.94 pts vs state
$169kMedian applicant income
7Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 4 | 76.2% | 8.75% | #645 |
| 2024 | 17 | 10 | 23.5% | 8.24% | #653 |
| 2025 | 15 | 7 | 40.0% | 7.50% | #686 |
What American United Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 12 | 5 | 5 | 41.7% |
| Los Angeles County | 2 | 1 | 1 | 50.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
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: 15 applications in 2025, of which 7 were originated and 6 denied.
40.0% of all applications, or 46.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American United Federal Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are American United 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