Andrews Federal Credit Union in California vs the state
6.7%Denial rate-10.75 pts vs state
11.1%Decision denial rate-11.29 pts vs state
53.3%Origination rate-2.87 pts vs state
6.63%Median rate0.00 pts vs state
0.13Rate spread (pts)-0.14 pts vs state
$185kMedian applicant income
8Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 20 | 7 | 10.0% | 6.88% | #633 |
| 2025 | 15 | 8 | 6.7% | 6.63% | #681 |
What Andrews Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Andrews Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 2 | 0 | 0 | 0.0% |
| Los Angeles County | 2 | 2 | 0 | 0.0% |
| Placer County | 2 | 2 | 0 | 0.0% |
| Orange County | 2 | 1 | 0 | 0.0% |
| Santa Cruz County | 1 | 0 | 0 | 0.0% |
| Alameda County | 1 | 1 | 0 | 0.0% |
| Contra Costa County | 1 | 1 | 0 | 0.0% |
| Riverside County | 1 | 0 | 0 | 0.0% |
| Fresno County | 1 | 0 | 0 | 0.0% |
| Mariposa 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 8 were originated and 1 denied.
6.7% of all applications, or 11.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Andrews Federal Credit Union originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Andrews 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