Rize Federal Credit Union in California vs the state
31.4%Denial rate+13.93 pts vs state
32.0%Decision denial rate+9.61 pts vs state
54.1%Origination rate-2.10 pts vs state
—Median rate
—Rate spread (pts)
$136kMedian applicant income
264Loans originated
153Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 100 | 12.6% | — | #374 |
| 2024 | 578 | 332 | 26.6% | — | #225 |
| 2025 | 488 | 264 | 31.4% | — | #264 |
What Rize Federal Credit Union lends in California
By loan purpose
By loan type
Where in California
Counties with the most Rize Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 256 | 139 | 81 | 31.6% |
| San Bernardino County | 132 | 76 | 36 | 27.3% |
| Riverside County | 44 | 26 | 10 | 22.7% |
| Orange County | 30 | 13 | 13 | 43.3% |
| San Diego County | 5 | 2 | 2 | 40.0% |
| Imperial County | 5 | 4 | 1 | 20.0% |
| Tulare County | 5 | 0 | 4 | 80.0% |
| Kern County | 4 | 0 | 4 | 100.0% |
| Ventura County | 4 | 2 | 1 | 25.0% |
| Santa Barbara County | 1 | 0 | 1 | 100.0% |
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: 488 applications in 2025, of which 264 were originated and 153 denied.
31.4% of all applications, or 32.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Rize 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