STANFORD Federal Credit Union in California vs the state
6.3%Denial rate-11.10 pts vs state
7.3%Decision denial rate-15.14 pts vs state
77.8%Origination rate+21.55 pts vs state
7.50%Median rate+0.88 pts vs state
0.17Rate spread (pts)-0.10 pts vs state
$300kMedian applicant income
849Loans originated
69Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,137 | 886 | 4.6% | 7.50% | #124 |
| 2024 | 1,014 | 813 | 6.5% | 8.00% | #155 |
| 2025 | 1,092 | 849 | 6.3% | 7.50% | #162 |
What STANFORD Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most STANFORD Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Clara County | 326 | 268 | 10 | 3.1% |
| San Mateo County | 246 | 208 | 15 | 6.1% |
| Alameda County | 120 | 92 | 8 | 6.7% |
| San Francisco County | 65 | 51 | 4 | 6.2% |
| Contra Costa County | 51 | 40 | 2 | 3.9% |
| Los Angeles County | 38 | 29 | 3 | 7.9% |
| San Joaquin County | 28 | 13 | 5 | 17.9% |
| Sacramento County | 22 | 13 | 3 | 13.6% |
| Orange County | 22 | 18 | 2 | 9.1% |
| San Diego County | 21 | 16 | 1 | 4.8% |
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: 1,092 applications in 2025, of which 849 were originated and 69 denied.
6.3% of all applications, or 7.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans STANFORD Federal Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are STANFORD 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