Mirastar Federal Credit Union in California vs the state
14.8%Denial rate-2.61 pts vs state
17.7%Decision denial rate-4.69 pts vs state
63.3%Origination rate+7.07 pts vs state
7.50%Median rate+0.88 pts vs state
0.46Rate spread (pts)+0.19 pts vs state
$160kMedian applicant income
205Loans originated
48Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 329 | 176 | 20.4% | 8.59% | #279 |
| 2024 | 360 | 216 | 21.1% | 8.48% | #284 |
| 2025 | 324 | 205 | 14.8% | 7.50% | #308 |
What Mirastar Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mirastar Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Clara County | 208 | 135 | 25 | 12.0% |
| San Joaquin County | 27 | 17 | 9 | 33.3% |
| San Benito County | 16 | 8 | 3 | 18.8% |
| Alameda County | 12 | 10 | 0 | 0.0% |
| Monterey County | 11 | 4 | 4 | 36.4% |
| Merced County | 10 | 6 | 2 | 20.0% |
| Stanislaus County | 5 | 3 | 0 | 0.0% |
| Sacramento County | 4 | 3 | 0 | 0.0% |
| Santa Cruz County | 4 | 4 | 0 | 0.0% |
| El Dorado County | 4 | 3 | 1 | 25.0% |
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: 324 applications in 2025, of which 205 were originated and 48 denied.
14.8% of all applications, or 17.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mirastar Federal Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Mirastar 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