Financial Partners Credit Union in California vs the state
26.6%Denial rate+9.22 pts vs state
28.8%Decision denial rate+6.43 pts vs state
55.9%Origination rate-0.34 pts vs state
7.50%Median rate+0.88 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$140kMedian applicant income
1,191Loans originated
568Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,657 | 834 | 29.0% | 8.25% | #95 |
| 2024 | 1,562 | 808 | 26.1% | 8.50% | #111 |
| 2025 | 2,132 | 1,191 | 26.6% | 7.50% | #100 |
What Financial Partners Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Financial Partners Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,042 | 571 | 281 | 27.0% |
| Orange County | 517 | 322 | 124 | 24.0% |
| Riverside County | 169 | 82 | 57 | 33.7% |
| San Bernardino County | 152 | 82 | 44 | 28.9% |
| San Diego County | 94 | 51 | 22 | 23.4% |
| Ventura County | 34 | 19 | 8 | 23.5% |
| Alameda County | 23 | 15 | 5 | 21.7% |
| San Mateo County | 15 | 7 | 5 | 33.3% |
| Kern County | 11 | 4 | 3 | 27.3% |
| Contra Costa County | 11 | 5 | 1 | 9.1% |
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: 2,132 applications in 2025, of which 1,191 were originated and 568 denied.
26.6% of all applications, or 28.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Financial Partners Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Financial Partners 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