Rize Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
7th31.0% deniedProcesswithdrawn + incomplete share, weight 15%
88th2.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 154 | 110 | 11.7% | 12.0% | — | $33M |
| 2024 | 640 | 380 | 26.1% | 26.8% | — | $57M |
| 2025 | 562 | 311 | 30.3% | 31.0% | — | $62M |
What Rize Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 66 investment properties.
Who gets approved at Rize Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 38 | 12 | 52.6% |
| $50k – $100k | 138 | 66 | 36.0% |
| $100k – $150k | 134 | 76 | 28.4% |
| $150k – $250k | 159 | 97 | 29.1% |
| Over $250k | 60 | 35 | 24.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 20 | 6 | 38.9% |
| 35–44 | 122 | 72 | 31.9% |
| 45–54 | 164 | 87 | 32.7% |
| 55–64 | 136 | 73 | 32.3% |
| 65–74 | 72 | 36 | 31.4% |
| Over 74 | 24 | 16 | 20.8% |
Where Rize Federal Credit Union lends
3 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 488 | 264 | 31.4% | — | #264 |
| Nevada | 73 | 47 | 23.3% | — | #171 |
Frequently asked questions
Rize Federal Credit Union denied 31.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 7th percentile of small mortgage lenders.
In 2025, 3% of its applications were for home purchases, 35% for refinancing (including cash-out), and 62% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.