Communityamerica Credit Union in California vs the state
36.2%Denial rate+18.81 pts vs state
47.2%Decision denial rate+24.78 pts vs state
40.4%Origination rate-15.85 pts vs state
8.24%Median rate+1.62 pts vs state
-0.14Rate spread (pts)-0.41 pts vs state
$134kMedian applicant income
186Loans originated
167Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 0.0% | 7.13% | #817 |
| 2024 | 8 | 5 | 0.0% | 7.00% | #747 |
| 2025 | 461 | 186 | 36.2% | 8.24% | #268 |
What Communityamerica Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Communityamerica Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 243 | 91 | 88 | 36.2% |
| Orange County | 40 | 20 | 8 | 20.0% |
| Contra Costa County | 38 | 13 | 16 | 42.1% |
| Ventura County | 38 | 16 | 14 | 36.8% |
| Riverside County | 26 | 12 | 9 | 34.6% |
| San Bernardino County | 18 | 9 | 6 | 33.3% |
| Alameda County | 16 | 6 | 7 | 43.8% |
| Sacramento County | 5 | 1 | 3 | 60.0% |
| San Diego County | 5 | 4 | 1 | 20.0% |
| San Mateo County | 4 | 2 | 2 | 50.0% |
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: 461 applications in 2025, of which 186 were originated and 167 denied.
36.2% of all applications, or 47.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Communityamerica Credit Union originated in California in 2025 was 8.24%, against a statewide median of 6.63%.
About this data. Figures are Communityamerica 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