San Diego County Credit Union in California vs the state
29.2%Denial rate+11.73 pts vs state
37.4%Decision denial rate+14.98 pts vs state
47.9%Origination rate-8.33 pts vs state
8.50%Median rate+1.88 pts vs state
1.79Rate spread (pts)+1.52 pts vs state
$146kMedian applicant income
450Loans originated
274Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,779 | 874 | 35.4% | 8.13% | #87 |
| 2024 | 1,156 | 569 | 32.4% | 8.13% | #142 |
| 2025 | 940 | 450 | 29.2% | 8.50% | #179 |
What San Diego County Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most San Diego County Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 784 | 370 | 226 | 28.8% |
| Riverside County | 109 | 55 | 37 | 33.9% |
| Orange County | 28 | 16 | 7 | 25.0% |
| Los Angeles County | 5 | 2 | 2 | 40.0% |
| San Bernardino County | 3 | 2 | 0 | 0.0% |
| El Dorado County | 2 | 1 | 0 | 0.0% |
| Santa Clara County | 2 | 1 | 0 | 0.0% |
| Imperial County | 1 | 0 | 1 | 100.0% |
| San Luis Obispo County | 1 | 0 | 0 | 0.0% |
| Humboldt 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: 940 applications in 2025, of which 450 were originated and 274 denied.
29.2% of all applications, or 37.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans San Diego County Credit Union originated in California in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are San Diego County 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