Community First Credit Union in California vs the state
15.0%Denial rate-2.46 pts vs state
18.4%Decision denial rate-4.04 pts vs state
63.0%Origination rate+6.79 pts vs state
7.75%Median rate+1.13 pts vs state
1.50Rate spread (pts)+1.22 pts vs state
$93kMedian applicant income
160Loans originated
38Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 227 | 147 | 15.4% | 7.25% | #327 |
| 2024 | 241 | 153 | 18.7% | 8.25% | #321 |
| 2025 | 254 | 160 | 15.0% | 7.75% | #332 |
What Community First Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Community First Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sonoma County | 125 | 88 | 17 | 13.6% |
| Lake County | 53 | 30 | 10 | 18.9% |
| Mendocino County | 53 | 26 | 8 | 15.1% |
| Napa County | 14 | 11 | 0 | 0.0% |
| Humboldt County | 4 | 1 | 2 | 50.0% |
| Contra Costa County | 1 | 1 | 0 | 0.0% |
| Shasta County | 1 | 1 | 0 | 0.0% |
| Monterey County | 1 | 1 | 0 | 0.0% |
| Solano County | 1 | 1 | 0 | 0.0% |
| Marin 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: 254 applications in 2025, of which 160 were originated and 38 denied.
15.0% of all applications, or 18.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Community First Credit Union originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Community First 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