Lafayette Federal Credit Union in California vs the state
18.3%Denial rate+0.91 pts vs state
20.8%Decision denial rate-1.65 pts vs state
66.7%Origination rate+10.47 pts vs state
7.50%Median rate+0.88 pts vs state
0.37Rate spread (pts)+0.10 pts vs state
$214kMedian applicant income
40Loans originated
11Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 30 | 29.8% | 8.50% | #525 |
| 2024 | 85 | 52 | 27.1% | 9.00% | #459 |
| 2025 | 60 | 40 | 18.3% | 7.50% | #503 |
What Lafayette Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Lafayette Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 19 | 13 | 5 | 26.3% |
| Los Angeles County | 9 | 7 | 1 | 11.1% |
| Orange County | 7 | 6 | 1 | 14.3% |
| Contra Costa County | 7 | 6 | 1 | 14.3% |
| Riverside County | 4 | 2 | 0 | 0.0% |
| Alameda County | 3 | 1 | 1 | 33.3% |
| Marin County | 1 | 1 | 0 | 0.0% |
| Shasta County | 1 | 1 | 0 | 0.0% |
| San Francisco County | 1 | 0 | 1 | 100.0% |
| Stanislaus 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: 60 applications in 2025, of which 40 were originated and 11 denied.
18.3% of all applications, or 20.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Lafayette Federal Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Lafayette 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