Notre Dame Federal Credit Union in California vs the state
14.3%Denial rate-3.13 pts vs state
14.3%Decision denial rate-8.11 pts vs state
78.6%Origination rate+22.37 pts vs state
7.00%Median rate+0.38 pts vs state
0.23Rate spread (pts)-0.04 pts vs state
$152kMedian applicant income
11Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 7 | 53.3% | 8.50% | #688 |
| 2024 | 15 | 7 | 53.3% | 8.50% | #666 |
| 2025 | 14 | 11 | 14.3% | 7.00% | #689 |
What Notre Dame Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Notre Dame Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 5 | 4 | 1 | 20.0% |
| Orange County | 3 | 2 | 1 | 33.3% |
| San Diego County | 2 | 2 | 0 | 0.0% |
| San Bernardino County | 1 | 1 | 0 | 0.0% |
| Kern County | 1 | 1 | 0 | 0.0% |
| Riverside County | 1 | 1 | 0 | 0.0% |
| El Dorado 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: 14 applications in 2025, of which 11 were originated and 2 denied.
14.3% of all applications, or 14.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Notre Dame Federal Credit Union originated in California in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Notre Dame 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