GTE Federal Credit Union in California vs the state
20.5%Denial rate+3.06 pts vs state
22.3%Decision denial rate-0.12 pts vs state
69.4%Origination rate+13.15 pts vs state
8.25%Median rate+1.63 pts vs state
1.09Rate spread (pts)+0.82 pts vs state
$197kMedian applicant income
430Loans originated
127Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 337 | 241 | 19.3% | 10.75% | #278 |
| 2024 | 729 | 513 | 20.7% | 9.75% | #198 |
| 2025 | 620 | 430 | 20.5% | 8.25% | #228 |
What GTE Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most GTE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 128 | 88 | 23 | 18.0% |
| San Diego County | 61 | 43 | 13 | 21.3% |
| Riverside County | 59 | 38 | 13 | 22.0% |
| Sacramento County | 36 | 24 | 8 | 22.2% |
| Sonoma County | 27 | 22 | 5 | 18.5% |
| Orange County | 26 | 17 | 6 | 23.1% |
| Placer County | 25 | 20 | 3 | 12.0% |
| Ventura County | 25 | 17 | 4 | 16.0% |
| Contra Costa County | 20 | 15 | 3 | 15.0% |
| San Bernardino County | 18 | 10 | 7 | 38.9% |
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: 620 applications in 2025, of which 430 were originated and 127 denied.
20.5% of all applications, or 22.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans GTE Federal Credit Union originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are GTE 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