Arrowhead Central Credit Union in California vs the state
47.4%Denial rate+29.98 pts vs state
55.2%Decision denial rate+32.75 pts vs state
38.0%Origination rate-18.18 pts vs state
8.00%Median rate+1.38 pts vs state
1.28Rate spread (pts)+1.01 pts vs state
$112kMedian applicant income
584Loans originated
728Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,989 | 651 | 49.1% | 7.50% | #80 |
| 2024 | 1,720 | 493 | 59.8% | 7.50% | #100 |
| 2025 | 1,536 | 584 | 47.4% | 8.00% | #129 |
What Arrowhead Central Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Arrowhead Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 1,073 | 412 | 517 | 48.2% |
| Riverside County | 358 | 129 | 169 | 47.2% |
| Los Angeles County | 83 | 33 | 34 | 41.0% |
| Orange County | 9 | 5 | 2 | 22.2% |
| San Diego County | 6 | 3 | 2 | 33.3% |
| Kern County | 2 | 1 | 1 | 50.0% |
| Nevada County | 2 | 1 | 0 | 0.0% |
| Imperial County | 1 | 0 | 1 | 100.0% |
| Butte County | 1 | 0 | 1 | 100.0% |
| San Joaquin 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: 1,536 applications in 2025, of which 584 were originated and 728 denied.
47.4% of all applications, or 55.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Arrowhead Central Credit Union originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Arrowhead Central 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