Sierra Central Credit Union in California vs the state
24.2%Denial rate+6.77 pts vs state
28.9%Decision denial rate+6.53 pts vs state
59.3%Origination rate+3.06 pts vs state
7.75%Median rate+1.13 pts vs state
1.05Rate spread (pts)+0.78 pts vs state
$104kMedian applicant income
419Loans originated
171Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 523 | 322 | 26.4% | 8.19% | #217 |
| 2024 | 761 | 456 | 25.1% | 8.81% | #191 |
| 2025 | 707 | 419 | 24.2% | 7.75% | #205 |
What Sierra Central Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Sierra Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butte County | 146 | 99 | 27 | 18.5% |
| Shasta County | 116 | 70 | 32 | 27.6% |
| Sutter County | 79 | 47 | 17 | 21.5% |
| Yuba County | 63 | 37 | 17 | 27.0% |
| Nevada County | 56 | 31 | 17 | 30.4% |
| Tehama County | 48 | 31 | 9 | 18.8% |
| Placer County | 47 | 21 | 13 | 27.7% |
| El Dorado County | 45 | 29 | 11 | 24.4% |
| Sacramento County | 24 | 8 | 11 | 45.8% |
| Glenn County | 20 | 9 | 8 | 40.0% |
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: 707 applications in 2025, of which 419 were originated and 171 denied.
24.2% of all applications, or 28.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Sierra Central Credit Union originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Sierra Central 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