CBC Federal Credit Union in California vs the state
19.6%Denial rate+2.20 pts vs state
23.6%Decision denial rate+1.16 pts vs state
63.7%Origination rate+7.45 pts vs state
8.00%Median rate+1.38 pts vs state
8.12Rate spread (pts)+7.85 pts vs state
$182kMedian applicant income
331Loans originated
102Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 468 | 245 | 18.8% | 8.50% | #232 |
| 2024 | 538 | 339 | 20.6% | 9.00% | #231 |
| 2025 | 520 | 331 | 19.6% | 8.00% | #257 |
What CBC Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most CBC Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ventura County | 265 | 154 | 77 | 29.1% |
| Los Angeles County | 102 | 69 | 10 | 9.8% |
| Santa Clara County | 37 | 26 | 5 | 13.5% |
| Orange County | 22 | 14 | 2 | 9.1% |
| San Diego County | 20 | 15 | 1 | 5.0% |
| Riverside County | 9 | 3 | 2 | 22.2% |
| Alameda County | 8 | 8 | 0 | 0.0% |
| Sacramento County | 8 | 7 | 0 | 0.0% |
| Santa Barbara County | 7 | 5 | 1 | 14.3% |
| San Mateo County | 6 | 5 | 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: 520 applications in 2025, of which 331 were originated and 102 denied.
19.6% of all applications, or 23.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans CBC Federal Credit Union originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are CBC 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