California Credit Union in California vs the state
28.9%Denial rate+11.46 pts vs state
37.1%Decision denial rate+14.71 pts vs state
45.0%Origination rate-11.18 pts vs state
5.99%Median rate-0.63 pts vs state
-1.10Rate spread (pts)-1.37 pts vs state
$163kMedian applicant income
1,409Loans originated
904Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,359 | 1,480 | 36.0% | 5.63% | #47 |
| 2024 | 2,537 | 1,077 | 35.1% | 6.99% | #70 |
| 2025 | 3,130 | 1,409 | 28.9% | 5.99% | #63 |
What California Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most California Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,407 | 579 | 510 | 36.2% |
| San Diego County | 1,016 | 583 | 248 | 24.4% |
| Orange County | 180 | 88 | 35 | 19.4% |
| Riverside County | 162 | 78 | 45 | 27.8% |
| San Bernardino County | 95 | 45 | 25 | 26.3% |
| Ventura County | 48 | 22 | 18 | 37.5% |
| San Joaquin County | 11 | 2 | 3 | 27.3% |
| Alameda County | 8 | 3 | 2 | 25.0% |
| Kern County | 7 | 4 | 2 | 28.6% |
| Sacramento County | 4 | 2 | 1 | 25.0% |
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: 3,130 applications in 2025, of which 1,409 were originated and 904 denied.
28.9% of all applications, or 37.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans California Credit Union originated in California in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are California 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