First U.S. Community Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
22nd18.8% deniedProcesswithdrawn + incomplete share, weight 15%
35th15.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 134 | 81 | 14.9% | 19.8% | — | $15M |
| 2024 | 105 | 69 | 9.5% | 12.7% | — | $13M |
| 2025 | 119 | 80 | 16.0% | 18.8% | — | $16M |
What First U.S. Community Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 6 investment properties.
Who gets approved at First U.S. Community Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 31 | 21 | 16.0% |
| $100k – $150k | 28 | 24 | 14.3% |
| $150k – $250k | 42 | 27 | 17.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 26 | 14 | 33.3% |
| 45–54 | 20 | 14 | 17.7% |
| 55–64 | 22 | 17 | 15.0% |
| 65–74 | 23 | 14 | 26.3% |
Where First U.S. Community Credit Union lends
2 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 118 | 80 | 15.3% | — | #415 |
Frequently asked questions
First U.S. Community Credit Union denied 18.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 22nd percentile of small mortgage lenders.
In 2025, 24% of its applications were for home purchases, 58% for refinancing (including cash-out), and 18% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.