Great Lakes Credit Union in California vs the state
28.6%Denial rate+11.15 pts vs state
33.3%Decision denial rate+10.93 pts vs state
57.1%Origination rate+0.94 pts vs state
8.50%Median rate+1.88 pts vs state
1.24Rate spread (pts)+0.97 pts vs state
$182kMedian applicant income
12Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 97 | 22.9% | 9.00% | #368 |
| 2024 | 17 | 8 | 35.3% | 9.50% | #652 |
| 2025 | 21 | 12 | 28.6% | 8.50% | #635 |
What Great Lakes Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Great Lakes Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 5 | 3 | 2 | 40.0% |
| Placer County | 3 | 2 | 0 | 0.0% |
| San Bernardino County | 3 | 2 | 1 | 33.3% |
| San Diego County | 2 | 1 | 0 | 0.0% |
| Sacramento County | 1 | 0 | 1 | 100.0% |
| Nevada County | 1 | 1 | 0 | 0.0% |
| El Dorado County | 1 | 1 | 0 | 0.0% |
| Ventura County | 1 | 1 | 0 | 0.0% |
| Colusa County | 1 | 0 | 1 | 100.0% |
| Orange County | 1 | 0 | 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: 21 applications in 2025, of which 12 were originated and 6 denied.
28.6% of all applications, or 33.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Great Lakes Credit Union originated in California in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Great Lakes 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