Elements Financial Federal Credit Union in California vs the state
41.2%Denial rate+23.76 pts vs state
50.0%Decision denial rate+27.60 pts vs state
35.3%Origination rate-20.91 pts vs state
3.99%Median rate-2.64 pts vs state
-3.01Rate spread (pts)-3.28 pts vs state
$210kMedian applicant income
6Loans originated
7Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 17 | 32.3% | 3.99% | #600 |
| 2024 | 35 | 18 | 37.1% | 5.99% | #574 |
| 2025 | 17 | 6 | 41.2% | 3.99% | #664 |
What Elements Financial Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Elements Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 3 | 2 | 0 | 0.0% |
| Los Angeles County | 3 | 1 | 2 | 66.7% |
| Orange County | 2 | 0 | 2 | 100.0% |
| Santa Clara County | 2 | 1 | 0 | 0.0% |
| Siskiyou County | 1 | 1 | 0 | 0.0% |
| Marin County | 1 | 0 | 1 | 100.0% |
| Napa County | 1 | 0 | 0 | 0.0% |
| Solano County | 1 | 0 | 1 | 100.0% |
| Kern County | 1 | 0 | 1 | 100.0% |
| San Bernardino 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: 17 applications in 2025, of which 6 were originated and 7 denied.
41.2% of all applications, or 50.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Elements Financial Federal Credit Union originated in California in 2025 was 3.99%, against a statewide median of 6.63%.
About this data. Figures are Elements Financial Federal 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