Certified Credit Union in California vs the state
4.7%Denial rate-12.75 pts vs state
5.1%Decision denial rate-17.35 pts vs state
81.3%Origination rate+25.11 pts vs state
7.00%Median rate+0.38 pts vs state
1.27Rate spread (pts)+1.00 pts vs state
$135kMedian applicant income
87Loans originated
5Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 133 | 11.4% | 6.50% | #358 |
| 2024 | 122 | 90 | 10.7% | 7.50% | #411 |
| 2025 | 107 | 87 | 4.7% | 7.00% | #432 |
What Certified Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Certified Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 54 | 46 | 2 | 3.7% |
| Riverside County | 14 | 9 | 2 | 14.3% |
| San Bernardino County | 11 | 9 | 0 | 0.0% |
| Orange County | 10 | 8 | 1 | 10.0% |
| Ventura County | 5 | 4 | 0 | 0.0% |
| San Diego County | 3 | 2 | 0 | 0.0% |
| Kern County | 3 | 2 | 0 | 0.0% |
| Tulare County | 2 | 2 | 0 | 0.0% |
| Santa Barbara County | 1 | 1 | 0 | 0.0% |
| Fresno 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: 107 applications in 2025, of which 87 were originated and 5 denied.
4.7% of all applications, or 5.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Certified Credit Union originated in California in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Certified 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