F&A Federal Credit Union in California vs the state
7.4%Denial rate-10.04 pts vs state
9.0%Decision denial rate-13.43 pts vs state
71.3%Origination rate+15.07 pts vs state
7.00%Median rate+0.38 pts vs state
-0.05Rate spread (pts)-0.32 pts vs state
$180kMedian applicant income
444Loans originated
46Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 652 | 480 | 4.9% | 7.00% | #187 |
| 2024 | 572 | 437 | 5.8% | 8.00% | #227 |
| 2025 | 623 | 444 | 7.4% | 7.00% | #227 |
What F&A Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most F&A Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 317 | 214 | 29 | 9.1% |
| Orange County | 88 | 71 | 6 | 6.8% |
| San Bernardino County | 79 | 59 | 1 | 1.3% |
| Riverside County | 59 | 40 | 6 | 10.2% |
| Ventura County | 25 | 20 | 2 | 8.0% |
| San Diego County | 18 | 15 | 0 | 0.0% |
| Kern County | 7 | 4 | 0 | 0.0% |
| San Luis Obispo County | 6 | 4 | 0 | 0.0% |
| Santa Barbara County | 3 | 3 | 0 | 0.0% |
| Sonoma County | 2 | 2 | 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: 623 applications in 2025, of which 444 were originated and 46 denied.
7.4% of all applications, or 9.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans F&A Federal Credit Union originated in California in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are F&A 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