Pacific Service Credit Union in California vs the state
13.5%Denial rate-3.97 pts vs state
17.7%Decision denial rate-4.74 pts vs state
55.0%Origination rate-1.16 pts vs state
7.50%Median rate+0.88 pts vs state
1.78Rate spread (pts)+1.51 pts vs state
$169kMedian applicant income
655Loans originated
160Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 998 | 570 | 13.7% | 7.49% | #133 |
| 2024 | 1,046 | 614 | 12.1% | 8.24% | #150 |
| 2025 | 1,190 | 655 | 13.5% | 7.50% | #155 |
What Pacific Service Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Pacific Service Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 274 | 149 | 39 | 14.2% |
| Fresno County | 190 | 101 | 39 | 20.5% |
| Alameda County | 108 | 59 | 13 | 12.0% |
| Sacramento County | 63 | 37 | 7 | 11.1% |
| San Joaquin County | 55 | 37 | 5 | 9.1% |
| Solano County | 50 | 38 | 4 | 8.0% |
| Placer County | 42 | 23 | 5 | 11.9% |
| Madera County | 41 | 27 | 4 | 9.8% |
| San Luis Obispo County | 28 | 17 | 2 | 7.1% |
| San Mateo County | 27 | 14 | 3 | 11.1% |
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: 1,190 applications in 2025, of which 655 were originated and 160 denied.
13.5% of all applications, or 17.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Pacific Service Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Pacific Service 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