Heritage Community Credit Union in California vs the state
17.4%Denial rate-0.06 pts vs state
20.0%Decision denial rate-2.40 pts vs state
69.4%Origination rate+13.22 pts vs state
7.25%Median rate+0.63 pts vs state
1.45Rate spread (pts)+1.18 pts vs state
$121kMedian applicant income
84Loans originated
21Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 45 | 23.6% | 8.25% | #461 |
| 2024 | 70 | 51 | 12.9% | 8.25% | #488 |
| 2025 | 121 | 84 | 17.4% | 7.25% | #410 |
What Heritage Community Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Heritage Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 75 | 54 | 10 | 13.3% |
| El Dorado County | 14 | 12 | 2 | 14.3% |
| Placer County | 12 | 10 | 1 | 8.3% |
| San Joaquin County | 5 | 3 | 2 | 40.0% |
| San Francisco County | 3 | 2 | 0 | 0.0% |
| Sutter County | 2 | 0 | 2 | 100.0% |
| Santa Clara County | 2 | 0 | 2 | 100.0% |
| San Mateo County | 2 | 0 | 0 | 0.0% |
| Riverside County | 1 | 1 | 0 | 0.0% |
| Los Angeles 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: 121 applications in 2025, of which 84 were originated and 21 denied.
17.4% of all applications, or 20.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Heritage Community Credit Union originated in California in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Heritage Community 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