Credit Union Mortgage Association in California vs the state
2.8%Denial rate-14.64 pts vs state
5.7%Decision denial rate-16.69 pts vs state
45.8%Origination rate-10.37 pts vs state
5.38%Median rate-1.25 pts vs state
-0.79Rate spread (pts)-1.06 pts vs state
$224kMedian applicant income
33Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 14 | 9.7% | 5.69% | #599 |
| 2024 | 18 | 6 | 16.7% | 6.38% | #647 |
| 2025 | 72 | 33 | 2.8% | 5.38% | #483 |
What Credit Union Mortgage Association lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Credit Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 17 | 8 | 0 | 0.0% |
| Sacramento County | 8 | 2 | 0 | 0.0% |
| San Diego County | 8 | 3 | 0 | 0.0% |
| San Francisco County | 6 | 4 | 0 | 0.0% |
| Orange County | 5 | 4 | 1 | 20.0% |
| Alameda County | 4 | 2 | 0 | 0.0% |
| San Mateo County | 4 | 2 | 0 | 0.0% |
| Kern County | 2 | 1 | 0 | 0.0% |
| Placer County | 2 | 1 | 0 | 0.0% |
| Marin County | 2 | 0 | 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: 72 applications in 2025, of which 33 were originated and 2 denied.
2.8% of all applications, or 5.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Credit Union Mortgage Association originated in California in 2025 was 5.38%, against a statewide median of 6.63%.
About this data. Figures are Credit Union Mortgage Association'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