Popa Federal Credit Union in California vs the state
24.7%Denial rate+7.31 pts vs state
26.6%Decision denial rate+4.19 pts vs state
62.9%Origination rate+6.70 pts vs state
7.50%Median rate+0.88 pts vs state
-0.51Rate spread (pts)-0.78 pts vs state
$162kMedian applicant income
117Loans originated
46Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 251 | 155 | 23.9% | 8.75% | #314 |
| 2024 | 194 | 143 | 16.5% | 9.50% | #354 |
| 2025 | 186 | 117 | 24.7% | 7.50% | #373 |
What Popa Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Popa Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 110 | 64 | 33 | 30.0% |
| San Bernardino County | 33 | 22 | 8 | 24.2% |
| Riverside County | 24 | 18 | 4 | 16.7% |
| Orange County | 15 | 10 | 1 | 6.7% |
| Ventura County | 3 | 2 | 0 | 0.0% |
| Kern County | 1 | 1 | 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: 186 applications in 2025, of which 117 were originated and 46 denied.
24.7% of all applications, or 26.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Popa Federal Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Popa 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