Signature Federal Credit Union in California vs the state
12.2%Denial rate-5.26 pts vs state
25.0%Decision denial rate+2.60 pts vs state
36.5%Origination rate-19.71 pts vs state
8.00%Median rate+1.38 pts vs state
1.17Rate spread (pts)+0.90 pts vs state
$188kMedian applicant income
27Loans originated
9Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 52 | 21.7% | 9.00% | #456 |
| 2024 | 97 | 21 | 36.1% | 9.50% | #447 |
| 2025 | 74 | 27 | 12.2% | 8.00% | #480 |
What Signature Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Signature Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 11 | 4 | 1 | 9.1% |
| Riverside County | 10 | 2 | 0 | 0.0% |
| Los Angeles County | 8 | 1 | 1 | 12.5% |
| Orange County | 7 | 4 | 1 | 14.3% |
| Sacramento County | 6 | 2 | 0 | 0.0% |
| San Bernardino County | 4 | 2 | 0 | 0.0% |
| Placer County | 4 | 2 | 0 | 0.0% |
| San Joaquin County | 3 | 2 | 1 | 33.3% |
| Kern County | 3 | 1 | 1 | 33.3% |
| Shasta County | 3 | 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: 74 applications in 2025, of which 27 were originated and 9 denied.
12.2% of all applications, or 25.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Signature Federal Credit Union originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Signature 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