Everence Federal Credit Union in California vs the state
50.0%Denial rate+32.58 pts vs state
50.0%Decision denial rate+27.60 pts vs state
50.0%Origination rate-6.20 pts vs state
5.49%Median rate-1.13 pts vs state
-1.22Rate spread (pts)-1.49 pts vs state
$76kMedian applicant income
3Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 1 | 75.0% | 3.49% | #767 |
| 2024 | 6 | 4 | 33.3% | 5.49% | #768 |
| 2025 | 6 | 3 | 50.0% | 5.49% | #796 |
What Everence Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Everence Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fresno County | 3 | 1 | 2 | 66.7% |
| Alameda County | 1 | 1 | 0 | 0.0% |
| San Diego County | 1 | 1 | 0 | 0.0% |
| Tulare County | 1 | 0 | 1 | 100.0% |
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: 6 applications in 2025, of which 3 were originated and 3 denied.
50.0% 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 Everence Federal Credit Union originated in California in 2025 was 5.49%, against a statewide median of 6.63%.
About this data. Figures are Everence 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