Foothill Federal 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 B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
30th31.1% deniedPricingmedian rate spread over APOR, weight 30%
94th-2.11 ptsProcesswithdrawn + incomplete share, weight 15%
100th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
66th2.58% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 374 | 290 | 8.8% | 10.2% | 5.75% | $48M |
| 2024 | 453 | 334 | 15.5% | 17.0% | 6.38% | $59M |
| 2025 | 501 | 345 | 31.1% | 31.1% | 4.99% | $81M |
What Foothill Federal 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: 308 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 5 investment properties.
Why Foothill Federal Credit Union denies applications
Primary reason reported for each of the 156 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Foothill Federal 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 | 91 | 49 | 46.2% |
| $100k – $150k | 110 | 80 | 27.3% |
| $150k – $250k | 182 | 139 | 23.6% |
| Over $250k | 94 | 66 | 29.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 54 | 37 | 31.5% |
| 35–44 | 111 | 77 | 30.6% |
| 45–54 | 123 | 90 | 26.8% |
| 55–64 | 121 | 81 | 33.1% |
| 65–74 | 61 | 38 | 37.7% |
| Over 74 | 29 | 22 | 24.1% |
Where Foothill Federal Credit Union lends
4 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 497 | 345 | 30.6% | 4.99% | #262 |
Frequently asked questions
Foothill Federal Credit Union denied 31.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of home-equity (HELOC) lenders.
The most common reason Foothill Federal Credit Union gave in 2025 was "other", cited on 41.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Foothill Federal Credit Union originated in 2025 was 4.99%, and its median rate spread over the average prime offer rate was -2.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 6% of its applications were for home purchases, 18% for refinancing (including cash-out), and 76% 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.