MYPOINT Credit Union in California vs the state
30.8%Denial rate+13.34 pts vs state
33.3%Decision denial rate+10.87 pts vs state
61.3%Origination rate+5.14 pts vs state
5.74%Median rate-0.88 pts vs state
0.49Rate spread (pts)+0.22 pts vs state
$174kMedian applicant income
349Loans originated
175Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 269 | 172 | 35.3% | 7.74% | #304 |
| 2024 | 341 | 226 | 30.8% | 6.74% | #289 |
| 2025 | 569 | 349 | 30.8% | 5.74% | #245 |
What MYPOINT Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most MYPOINT Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 536 | 331 | 165 | 30.8% |
| Riverside County | 12 | 8 | 2 | 16.7% |
| Orange County | 5 | 2 | 3 | 60.0% |
| San Bernardino County | 4 | 2 | 0 | 0.0% |
| Ventura County | 3 | 2 | 0 | 0.0% |
| Los Angeles County | 3 | 2 | 1 | 33.3% |
| Imperial County | 2 | 0 | 2 | 100.0% |
| Fresno 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: 569 applications in 2025, of which 349 were originated and 175 denied.
30.8% of all applications, or 33.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans MYPOINT Credit Union originated in California in 2025 was 5.74%, against a statewide median of 6.63%.
About this data. Figures are MYPOINT 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