Credit Union 1 in California vs the state
27.8%Denial rate+10.36 pts vs state
55.6%Decision denial rate+33.16 pts vs state
22.2%Origination rate-33.98 pts vs state
4.99%Median rate-1.63 pts vs state
-2.04Rate spread (pts)-2.32 pts vs state
$200kMedian applicant income
4Loans originated
5Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 1 | 60.0% | 9.00% | #820 |
| 2024 | 10 | 4 | 60.0% | 8.90% | #723 |
| 2025 | 18 | 4 | 27.8% | 4.99% | #656 |
What Credit Union 1 lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Credit Union 1 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 5 | 0 | 0 | 0.0% |
| Los Angeles County | 4 | 1 | 1 | 25.0% |
| San Bernardino County | 3 | 1 | 1 | 33.3% |
| San Joaquin County | 1 | 0 | 0 | 0.0% |
| Madera County | 1 | 0 | 1 | 100.0% |
| Sonoma County | 1 | 1 | 0 | 0.0% |
| Merced County | 1 | 0 | 1 | 100.0% |
| Ventura County | 1 | 0 | 1 | 100.0% |
| Santa Clara 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: 18 applications in 2025, of which 4 were originated and 5 denied.
27.8% of all applications, or 55.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Credit Union 1 originated in California in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Credit Union 1'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