Delta Community Credit Union in California vs the state
9.4%Denial rate-8.04 pts vs state
13.6%Decision denial rate-8.76 pts vs state
59.4%Origination rate+3.18 pts vs state
7.38%Median rate+0.75 pts vs state
0.17Rate spread (pts)-0.10 pts vs state
$203kMedian applicant income
19Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 17 | 42.5% | 7.88% | #565 |
| 2024 | 41 | 23 | 19.5% | 7.88% | #555 |
| 2025 | 32 | 19 | 9.4% | 7.38% | #580 |
What Delta Community Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Delta Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 7 | 5 | 0 | 0.0% |
| Orange County | 4 | 1 | 1 | 25.0% |
| Ventura County | 4 | 3 | 0 | 0.0% |
| Alameda County | 3 | 2 | 0 | 0.0% |
| Sacramento County | 2 | 1 | 0 | 0.0% |
| Contra Costa County | 2 | 1 | 0 | 0.0% |
| San Diego County | 2 | 1 | 1 | 50.0% |
| Sonoma County | 2 | 1 | 0 | 0.0% |
| San Bernardino County | 2 | 2 | 0 | 0.0% |
| 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: 32 applications in 2025, of which 19 were originated and 3 denied.
9.4% of all applications, or 13.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Delta Community Credit Union originated in California in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Delta Community 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