Orange County'S Credit Union in California vs the state
26.5%Denial rate+9.06 pts vs state
32.8%Decision denial rate+10.39 pts vs state
53.2%Origination rate-3.05 pts vs state
7.63%Median rate+1.00 pts vs state
0.59Rate spread (pts)+0.31 pts vs state
$144kMedian applicant income
1,140Loans originated
568Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,083 | 1,232 | 23.0% | 7.38% | #76 |
| 2024 | 2,021 | 1,127 | 24.8% | 8.13% | #85 |
| 2025 | 2,145 | 1,140 | 26.5% | 7.63% | #99 |
What Orange County'S Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Orange County'S Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 1,399 | 743 | 357 | 25.5% |
| Los Angeles County | 269 | 133 | 86 | 32.0% |
| Riverside County | 255 | 140 | 67 | 26.3% |
| San Bernardino County | 86 | 39 | 28 | 32.6% |
| San Diego County | 36 | 17 | 12 | 33.3% |
| Santa Barbara County | 36 | 30 | 1 | 2.8% |
| Ventura County | 23 | 21 | 0 | 0.0% |
| Sacramento County | 9 | 4 | 4 | 44.4% |
| Kern County | 6 | 3 | 2 | 33.3% |
| Placer County | 4 | 3 | 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: 2,145 applications in 2025, of which 1,140 were originated and 568 denied.
26.5% of all applications, or 32.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Orange County'S Credit Union originated in California in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Orange County'S 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