Navy Federal Credit Union in California vs the state
25.7%Denial rate+8.25 pts vs state
38.0%Decision denial rate+15.59 pts vs state
41.1%Origination rate-15.10 pts vs state
8.00%Median rate+1.38 pts vs state
1.28Rate spread (pts)+1.01 pts vs state
$147kMedian applicant income
6,361Loans originated
3,973Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14,857 | 5,939 | 32.3% | 8.25% | #7 |
| 2024 | 16,560 | 7,085 | 27.6% | 8.75% | #10 |
| 2025 | 15,476 | 6,361 | 25.7% | 8.00% | #13 |
What Navy Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 4,728 | 2,042 | 1,144 | 24.2% |
| Riverside County | 2,638 | 1,096 | 742 | 28.1% |
| Los Angeles County | 1,931 | 693 | 567 | 29.4% |
| San Bernardino County | 1,088 | 433 | 307 | 28.2% |
| Orange County | 881 | 347 | 231 | 26.2% |
| Kern County | 429 | 188 | 102 | 23.8% |
| Ventura County | 406 | 170 | 91 | 22.4% |
| Sacramento County | 371 | 149 | 80 | 21.6% |
| Solano County | 261 | 115 | 60 | 23.0% |
| Fresno County | 228 | 88 | 65 | 28.5% |
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: 15,476 applications in 2025, of which 6,361 were originated and 3,973 denied.
25.7% of all applications, or 38.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Navy Federal Credit Union originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Navy 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