Fedex Employees Credit Association in California vs the state
12.5%Denial rate-4.92 pts vs state
16.0%Decision denial rate-6.40 pts vs state
53.1%Origination rate-3.07 pts vs state
7.50%Median rate+0.88 pts vs state
0.00Rate spread (pts)-0.27 pts vs state
$119kMedian applicant income
17Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 9 | 17.7% | 7.00% | #670 |
| 2024 | 11 | 3 | 45.5% | 6.50% | #717 |
| 2025 | 32 | 17 | 12.5% | 7.50% | #578 |
What Fedex Employees Credit Association lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Fedex Employees Credit Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 8 | 3 | 0 | 0.0% |
| San Bernardino County | 6 | 3 | 0 | 0.0% |
| Contra Costa County | 3 | 2 | 0 | 0.0% |
| Orange County | 3 | 3 | 0 | 0.0% |
| Riverside County | 3 | 0 | 1 | 33.3% |
| San Joaquin County | 2 | 1 | 1 | 50.0% |
| San Diego County | 2 | 1 | 1 | 50.0% |
| Kern County | 2 | 2 | 0 | 0.0% |
| Merced County | 1 | 1 | 0 | 0.0% |
| Alameda 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: 32 applications in 2025, of which 17 were originated and 4 denied.
12.5% of all applications, or 16.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Fedex Employees Credit Association originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Fedex Employees Credit Association'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