First U.S. Community Credit Union in California vs the state
15.3%Denial rate-2.17 pts vs state
18.0%Decision denial rate-4.40 pts vs state
67.8%Origination rate+11.60 pts vs state
—Median rate
—Rate spread (pts)
$140kMedian applicant income
80Loans originated
18Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 81 | 14.3% | — | #389 |
| 2024 | 105 | 69 | 9.5% | — | #431 |
| 2025 | 118 | 80 | 15.3% | — | #415 |
What First U.S. Community Credit Union lends in California
By loan purpose
By loan type
Where in California
Counties with the most First U.S. Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 37 | 25 | 6 | 16.2% |
| Placer County | 36 | 23 | 5 | 13.9% |
| Nevada County | 23 | 16 | 6 | 26.1% |
| El Dorado County | 4 | 2 | 1 | 25.0% |
| San Joaquin County | 3 | 3 | 0 | 0.0% |
| Solano County | 3 | 3 | 0 | 0.0% |
| Santa Clara County | 2 | 1 | 0 | 0.0% |
| Yuba County | 2 | 0 | 0 | 0.0% |
| Contra Costa County | 2 | 2 | 0 | 0.0% |
| Amador County | 2 | 2 | 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: 118 applications in 2025, of which 80 were originated and 18 denied.
15.3% of all applications, or 18.0% 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 First U.S. Community 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