Hanscom Federal Credit Union in California vs the state
13.3%Denial rate-4.09 pts vs state
18.2%Decision denial rate-4.22 pts vs state
60.0%Origination rate+3.80 pts vs state
7.00%Median rate+0.38 pts vs state
-0.23Rate spread (pts)-0.50 pts vs state
$253kMedian applicant income
9Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 8 | 26.3% | 7.75% | #658 |
| 2024 | 15 | 11 | 6.7% | 8.00% | #661 |
| 2025 | 15 | 9 | 13.3% | 7.00% | #683 |
What Hanscom Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Hanscom Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Clara County | 4 | 3 | 0 | 0.0% |
| Marin County | 3 | 1 | 0 | 0.0% |
| San Diego County | 2 | 1 | 0 | 0.0% |
| Orange County | 2 | 1 | 1 | 50.0% |
| Contra Costa County | 1 | 1 | 0 | 0.0% |
| Los Angeles County | 1 | 0 | 1 | 100.0% |
| San Mateo County | 1 | 1 | 0 | 0.0% |
| Alameda County | 1 | 1 | 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: 15 applications in 2025, of which 9 were originated and 2 denied.
13.3% of all applications, or 18.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Hanscom Federal Credit Union originated in California in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Hanscom 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