Deseret First Credit Union in California vs the state
20.0%Denial rate+2.58 pts vs state
20.0%Decision denial rate-2.40 pts vs state
80.0%Origination rate+23.80 pts vs state
7.50%Median rate+0.88 pts vs state
-0.20Rate spread (pts)-0.47 pts vs state
$246kMedian applicant income
8Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 40.0% | 6.50% | #835 |
| 2025 | 10 | 8 | 20.0% | 7.50% | #731 |
What Deseret First Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Deseret First Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kern County | 2 | 2 | 0 | 0.0% |
| San Bernardino County | 2 | 1 | 1 | 50.0% |
| Shasta County | 1 | 1 | 0 | 0.0% |
| Santa Barbara County | 1 | 1 | 0 | 0.0% |
| San Diego County | 1 | 0 | 1 | 100.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Sacramento County | 1 | 1 | 0 | 0.0% |
| Los Angeles 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: 10 applications in 2025, of which 8 were originated and 2 denied.
20.0% of all applications, or 20.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Deseret First Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Deseret First 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