State Department Federal Credit Union in California vs the state
40.0%Denial rate+22.58 pts vs state
43.8%Decision denial rate+21.35 pts vs state
44.3%Origination rate-11.91 pts vs state
7.25%Median rate+0.63 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$214kMedian applicant income
31Loans originated
28Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 47 | 39.4% | 7.50% | #443 |
| 2024 | 219 | 119 | 30.1% | 8.50% | #342 |
| 2025 | 70 | 31 | 40.0% | 7.25% | #486 |
What State Department Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most State Department Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 14 | 7 | 4 | 28.6% |
| Los Angeles County | 10 | 3 | 4 | 40.0% |
| Orange County | 9 | 5 | 4 | 44.4% |
| Alameda County | 6 | 2 | 4 | 66.7% |
| Riverside County | 5 | 3 | 2 | 40.0% |
| Santa Clara County | 3 | 2 | 1 | 33.3% |
| Ventura County | 3 | 1 | 0 | 0.0% |
| San Joaquin County | 3 | 0 | 2 | 66.7% |
| San Bernardino County | 2 | 0 | 1 | 50.0% |
| El Dorado County | 2 | 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: 70 applications in 2025, of which 31 were originated and 28 denied.
40.0% of all applications, or 43.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans State Department Federal Credit Union originated in California in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are State Department 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