Families and Schools Together Federal Credit Union in California vs the state
33.9%Denial rate+16.51 pts vs state
41.3%Decision denial rate+18.90 pts vs state
33.9%Origination rate-22.27 pts vs state
—Median rate
—Rate spread (pts)
$97kMedian applicant income
38Loans originated
38Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 53 | 39.7% | 7.74% | #399 |
| 2025 | 112 | 38 | 33.9% | — | #423 |
What Families and Schools Together Federal Credit Union lends in California
By loan purpose
By loan type
Where in California
Counties with the most Families and Schools Together Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 85 | 35 | 28 | 32.9% |
| Fresno County | 10 | 1 | 7 | 70.0% |
| Tulare County | 2 | 1 | 0 | 0.0% |
| Riverside County | 1 | 1 | 0 | 0.0% |
| Monterey County | 1 | 0 | 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: 112 applications in 2025, of which 38 were originated and 38 denied.
33.9% of all applications, or 41.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Families and Schools Together 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