Credit Human Federal Credit Union in California vs the state
45.0%Denial rate+27.58 pts vs state
45.2%Decision denial rate+22.84 pts vs state
27.1%Origination rate-29.06 pts vs state
8.70%Median rate+2.07 pts vs state
2.77Rate spread (pts)+2.50 pts vs state
$94kMedian applicant income
453Loans originated
751Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,473 | 361 | 49.8% | 8.40% | #104 |
| 2024 | 2,061 | 557 | 47.2% | 9.10% | #83 |
| 2025 | 1,669 | 453 | 45.0% | 8.70% | #121 |
What Credit Human Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 211 | 43 | 112 | 53.1% |
| Riverside County | 194 | 47 | 92 | 47.4% |
| San Diego County | 173 | 51 | 76 | 43.9% |
| Santa Clara County | 161 | 55 | 69 | 42.9% |
| San Bernardino County | 150 | 50 | 65 | 43.3% |
| Orange County | 76 | 18 | 32 | 42.1% |
| Sacramento County | 68 | 20 | 32 | 47.1% |
| Ventura County | 52 | 28 | 14 | 26.9% |
| Alameda County | 49 | 7 | 23 | 46.9% |
| Kern County | 43 | 9 | 23 | 53.5% |
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: 1,669 applications in 2025, of which 453 were originated and 751 denied.
45.0% of all applications, or 45.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Credit Human Federal Credit Union originated in California in 2025 was 8.70%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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