Patelco Credit Union in California vs the state
9.3%Denial rate-8.10 pts vs state
16.7%Decision denial rate-5.68 pts vs state
44.3%Origination rate-11.86 pts vs state
8.00%Median rate+1.38 pts vs state
0.76Rate spread (pts)+0.49 pts vs state
$191kMedian applicant income
1,846Loans originated
388Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,536 | 2,362 | 29.7% | 8.25% | #38 |
| 2024 | 4,002 | 2,054 | 18.7% | 8.25% | #43 |
| 2025 | 4,163 | 1,846 | 9.3% | 8.00% | #50 |
What Patelco Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Patelco Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Alameda County | 997 | 432 | 107 | 10.7% |
| Contra Costa County | 821 | 385 | 69 | 8.4% |
| Sacramento County | 370 | 164 | 29 | 7.8% |
| Santa Clara County | 365 | 155 | 21 | 5.8% |
| San Mateo County | 235 | 120 | 25 | 10.6% |
| Solano County | 167 | 73 | 17 | 10.2% |
| San Joaquin County | 163 | 63 | 15 | 9.2% |
| San Francisco County | 155 | 64 | 17 | 11.0% |
| Placer County | 143 | 76 | 16 | 11.2% |
| Sonoma County | 134 | 50 | 12 | 9.0% |
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: 4,163 applications in 2025, of which 1,846 were originated and 388 denied.
9.3% of all applications, or 16.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Patelco Credit Union originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Patelco 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