Provident Credit Union in California vs the state
1.0%Denial rate-16.38 pts vs state
1.3%Decision denial rate-21.15 pts vs state
82.3%Origination rate+26.11 pts vs state
6.25%Median rate-0.38 pts vs state
1.18Rate spread (pts)+0.91 pts vs state
$232kMedian applicant income
712Loans originated
9Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 941 | 773 | 1.2% | 6.63% | #139 |
| 2024 | 792 | 657 | 1.1% | 6.50% | #185 |
| 2025 | 865 | 712 | 1.0% | 6.25% | #190 |
What Provident Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Provident Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Alameda County | 213 | 179 | 1 | 0.5% |
| Santa Clara County | 163 | 134 | 2 | 1.2% |
| Contra Costa County | 129 | 107 | 1 | 0.8% |
| San Mateo County | 111 | 96 | 1 | 0.9% |
| San Joaquin County | 42 | 28 | 0 | 0.0% |
| Sacramento County | 25 | 21 | 0 | 0.0% |
| San Francisco County | 22 | 15 | 1 | 4.5% |
| El Dorado County | 15 | 14 | 0 | 0.0% |
| Solano County | 12 | 11 | 0 | 0.0% |
| Monterey County | 11 | 10 | 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: 865 applications in 2025, of which 712 were originated and 9 denied.
1.0% of all applications, or 1.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Provident Credit Union originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Provident 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