Service Federal Credit Union in California vs the state
9.5%Denial rate-7.97 pts vs state
26.7%Decision denial rate+4.27 pts vs state
22.8%Origination rate-33.37 pts vs state
5.50%Median rate-1.13 pts vs state
-0.56Rate spread (pts)-0.83 pts vs state
$364kMedian applicant income
29Loans originated
12Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 32 | 30.6% | 3.99% | #492 |
| 2024 | 60 | 30 | 28.3% | 6.49% | #505 |
| 2025 | 127 | 29 | 9.5% | 5.50% | #407 |
What Service Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Clara County | 45 | 6 | 4 | 8.9% |
| Alameda County | 29 | 3 | 0 | 0.0% |
| Contra Costa County | 14 | 4 | 1 | 7.1% |
| San Diego County | 9 | 4 | 4 | 44.4% |
| San Bernardino County | 5 | 3 | 1 | 20.0% |
| Los Angeles County | 5 | 1 | 1 | 20.0% |
| Riverside County | 3 | 1 | 0 | 0.0% |
| Fresno County | 3 | 1 | 0 | 0.0% |
| San Mateo County | 3 | 0 | 0 | 0.0% |
| Sacramento County | 2 | 0 | 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: 127 applications in 2025, of which 29 were originated and 12 denied.
9.5% of all applications, or 26.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Service Federal Credit Union originated in California in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Service 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