SACRAMENTO Credit Union in California vs the state
27.5%Denial rate+10.10 pts vs state
28.5%Decision denial rate+6.05 pts vs state
64.0%Origination rate+7.83 pts vs state
6.99%Median rate+0.37 pts vs state
0.67Rate spread (pts)+0.40 pts vs state
$135kMedian applicant income
235Loans originated
101Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 366 | 219 | 27.6% | 6.99% | #262 |
| 2024 | 387 | 245 | 27.7% | 6.99% | #275 |
| 2025 | 367 | 235 | 27.5% | 6.99% | #296 |
What SACRAMENTO Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most SACRAMENTO Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 253 | 161 | 70 | 27.7% |
| Placer County | 51 | 37 | 10 | 19.6% |
| El Dorado County | 18 | 10 | 6 | 33.3% |
| Yolo County | 8 | 7 | 0 | 0.0% |
| Solano County | 6 | 3 | 3 | 50.0% |
| Nevada County | 5 | 3 | 2 | 40.0% |
| San Joaquin County | 5 | 4 | 1 | 20.0% |
| Contra Costa County | 3 | 3 | 0 | 0.0% |
| Amador County | 3 | 2 | 1 | 33.3% |
| Sutter County | 2 | 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: 367 applications in 2025, of which 235 were originated and 101 denied.
27.5% of all applications, or 28.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans SACRAMENTO Credit Union originated in California in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are SACRAMENTO 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