Sun Community Federal Credit Union in California vs the state
4.6%Denial rate-12.79 pts vs state
5.4%Decision denial rate-17.02 pts vs state
81.5%Origination rate+25.28 pts vs state
7.25%Median rate+0.63 pts vs state
1.55Rate spread (pts)+1.27 pts vs state
$102kMedian applicant income
88Loans originated
5Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 80 | 60 | 25.0% | 8.50% | #472 |
| 2025 | 108 | 88 | 4.6% | 7.25% | #431 |
What Sun Community Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Sun Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Imperial County | 85 | 77 | 2 | 2.4% |
| Riverside County | 18 | 9 | 3 | 16.7% |
| San Diego County | 3 | 1 | 0 | 0.0% |
| Los Angeles County | 1 | 1 | 0 | 0.0% |
| San Bernardino County | 1 | 0 | 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: 108 applications in 2025, of which 88 were originated and 5 denied.
4.6% of all applications, or 5.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Sun Community Federal Credit Union originated in California in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Sun Community 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