NORTHROP GRUMMAN Federal Credit Union in California vs the state
20.0%Denial rate+2.58 pts vs state
24.5%Decision denial rate+2.09 pts vs state
52.1%Origination rate-4.12 pts vs state
7.75%Median rate+1.13 pts vs state
0.70Rate spread (pts)+0.43 pts vs state
$158kMedian applicant income
250Loans originated
96Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 701 | 405 | 12.4% | — | #171 |
| 2024 | 537 | 287 | 18.1% | 8.75% | #232 |
| 2025 | 480 | 250 | 20.0% | 7.75% | #265 |
What NORTHROP GRUMMAN Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most NORTHROP GRUMMAN Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 302 | 151 | 65 | 21.5% |
| Orange County | 44 | 23 | 6 | 13.6% |
| San Bernardino County | 41 | 21 | 10 | 24.4% |
| Riverside County | 31 | 20 | 5 | 16.1% |
| San Diego County | 30 | 18 | 4 | 13.3% |
| Kern County | 10 | 4 | 1 | 10.0% |
| Ventura County | 9 | 5 | 3 | 33.3% |
| Santa Barbara County | 3 | 2 | 0 | 0.0% |
| Alameda County | 2 | 0 | 1 | 50.0% |
| San Luis Obispo County | 1 | 0 | 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: 480 applications in 2025, of which 250 were originated and 96 denied.
20.0% of all applications, or 24.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans NORTHROP GRUMMAN Federal Credit Union originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are NORTHROP GRUMMAN 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