Educational Employees Credit Union in California vs the state
50.0%Denial rate+32.56 pts vs state
51.9%Decision denial rate+29.45 pts vs state
40.6%Origination rate-15.63 pts vs state
6.50%Median rate-0.13 pts vs state
-0.76Rate spread (pts)-1.03 pts vs state
$130kMedian applicant income
957Loans originated
1,179Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,681 | 1,021 | 54.9% | 6.50% | #63 |
| 2024 | 2,650 | 900 | 59.0% | 7.50% | #68 |
| 2025 | 2,359 | 957 | 50.0% | 6.50% | #85 |
What Educational Employees Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Educational Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fresno County | 1,460 | 616 | 710 | 48.6% |
| Tulare County | 402 | 133 | 237 | 59.0% |
| Madera County | 165 | 65 | 86 | 52.1% |
| Kings County | 101 | 47 | 41 | 40.6% |
| San Luis Obispo County | 58 | 27 | 25 | 43.1% |
| Merced County | 54 | 19 | 29 | 53.7% |
| Kern County | 21 | 6 | 10 | 47.6% |
| Stanislaus County | 13 | 6 | 6 | 46.2% |
| Placer County | 10 | 5 | 4 | 40.0% |
| San Diego County | 7 | 2 | 4 | 57.1% |
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: 2,359 applications in 2025, of which 957 were originated and 1,179 denied.
50.0% of all applications, or 51.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Educational Employees Credit Union originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Educational Employees 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