Foothill Federal Credit Union in California vs the state
30.6%Denial rate+13.16 pts vs state
30.6%Decision denial rate+8.18 pts vs state
69.4%Origination rate+13.22 pts vs state
4.99%Median rate-1.63 pts vs state
-2.11Rate spread (pts)-2.38 pts vs state
$158kMedian applicant income
345Loans originated
152Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 373 | 290 | 8.9% | 5.75% | #261 |
| 2024 | 452 | 334 | 15.3% | 6.38% | #258 |
| 2025 | 497 | 345 | 30.6% | 4.99% | #262 |
What Foothill Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Foothill Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 363 | 253 | 110 | 30.3% |
| San Bernardino County | 92 | 65 | 27 | 29.3% |
| Riverside County | 18 | 13 | 5 | 27.8% |
| Orange County | 16 | 11 | 5 | 31.3% |
| San Diego County | 2 | 0 | 2 | 100.0% |
| Tulare County | 1 | 1 | 0 | 0.0% |
| Sacramento County | 1 | 0 | 1 | 100.0% |
| Madera County | 1 | 1 | 0 | 0.0% |
| Imperial County | 1 | 0 | 1 | 100.0% |
| Contra Costa County | 1 | 0 | 1 | 100.0% |
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: 497 applications in 2025, of which 345 were originated and 152 denied.
30.6% of all applications, or 30.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Foothill Federal Credit Union originated in California in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Foothill 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