STRATA Credit Union in California vs the state
32.3%Denial rate+14.85 pts vs state
34.9%Decision denial rate+12.47 pts vs state
59.2%Origination rate+3.02 pts vs state
7.50%Median rate+0.88 pts vs state
1.16Rate spread (pts)+0.89 pts vs state
$91kMedian applicant income
167Loans originated
91Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 253 | 166 | 26.1% | 7.50% | #312 |
| 2024 | 233 | 147 | 29.6% | 7.50% | #329 |
| 2025 | 282 | 167 | 32.3% | 7.50% | #324 |
What STRATA Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most STRATA Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kern County | 275 | 163 | 88 | 32.0% |
| Tulare County | 2 | 2 | 0 | 0.0% |
| Sacramento County | 1 | 0 | 1 | 100.0% |
| Kings County | 1 | 0 | 1 | 100.0% |
| Los Angeles County | 1 | 1 | 0 | 0.0% |
| Madera County | 1 | 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: 282 applications in 2025, of which 167 were originated and 91 denied.
32.3% of all applications, or 34.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans STRATA Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are STRATA 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