Financial Resources Federal Credit Union in California vs the state
18.2%Denial rate+0.76 pts vs state
22.2%Decision denial rate-0.18 pts vs state
63.6%Origination rate+7.44 pts vs state
5.63%Median rate-1.00 pts vs state
-0.23Rate spread (pts)-0.50 pts vs state
$239kMedian applicant income
7Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 0.0% | 7.09% | #821 |
| 2025 | 11 | 7 | 18.2% | 5.63% | #719 |
What Financial Resources Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Financial Resources Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 4 | 3 | 0 | 0.0% |
| San Joaquin County | 2 | 1 | 1 | 50.0% |
| Ventura County | 1 | 1 | 0 | 0.0% |
| Riverside County | 1 | 0 | 1 | 100.0% |
| Sacramento County | 1 | 0 | 0 | 0.0% |
| Alameda County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 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: 11 applications in 2025, of which 7 were originated and 2 denied.
18.2% of all applications, or 22.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Financial Resources Federal Credit Union originated in California in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are Financial Resources 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