Consolidated Federal Credit Union in California vs the state
27.3%Denial rate+9.85 pts vs state
33.3%Decision denial rate+10.93 pts vs state
54.6%Origination rate-1.65 pts vs state
4.99%Median rate-1.63 pts vs state
-2.08Rate spread (pts)-2.35 pts vs state
$158kMedian applicant income
12Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 16.7% | 7.00% | #799 |
| 2025 | 22 | 12 | 27.3% | 4.99% | #625 |
What Consolidated Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Consolidated Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 10 | 5 | 2 | 20.0% |
| Riverside County | 3 | 2 | 1 | 33.3% |
| Orange County | 2 | 0 | 1 | 50.0% |
| Santa Cruz County | 1 | 1 | 0 | 0.0% |
| San Bernardino County | 1 | 1 | 0 | 0.0% |
| Contra Costa County | 1 | 1 | 0 | 0.0% |
| Siskiyou County | 1 | 0 | 1 | 100.0% |
| San Diego County | 1 | 0 | 1 | 100.0% |
| Placer County | 1 | 1 | 0 | 0.0% |
| Santa Barbara 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: 22 applications in 2025, of which 12 were originated and 6 denied.
27.3% of all applications, or 33.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Consolidated Federal Credit Union originated in California in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Consolidated 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