PARTNERS Federal Credit Union in California vs the state
29.0%Denial rate+11.57 pts vs state
34.4%Decision denial rate+12.03 pts vs state
54.5%Origination rate-1.66 pts vs state
7.00%Median rate+0.38 pts vs state
-0.24Rate spread (pts)-0.51 pts vs state
$154kMedian applicant income
553Loans originated
294Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 734 | 422 | 27.3% | 7.75% | #168 |
| 2024 | 768 | 427 | 29.7% | 8.00% | #190 |
| 2025 | 1,014 | 553 | 29.0% | 7.00% | #169 |
What PARTNERS Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most PARTNERS Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 486 | 278 | 133 | 27.4% |
| Orange County | 301 | 151 | 94 | 31.2% |
| Riverside County | 90 | 52 | 25 | 27.8% |
| San Bernardino County | 75 | 36 | 26 | 34.7% |
| Ventura County | 16 | 9 | 5 | 31.3% |
| San Diego County | 13 | 9 | 3 | 23.1% |
| Sacramento County | 6 | 4 | 1 | 16.7% |
| Alameda County | 6 | 3 | 2 | 33.3% |
| Kern County | 4 | 3 | 1 | 25.0% |
| Marin County | 3 | 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: 1,014 applications in 2025, of which 553 were originated and 294 denied.
29.0% of all applications, or 34.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans PARTNERS Federal Credit Union originated in California in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are PARTNERS 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