THE POLICE Credit Union in California vs the state
6.1%Denial rate-11.33 pts vs state
6.9%Decision denial rate-15.47 pts vs state
77.4%Origination rate+21.19 pts vs state
—Median rate
—Rate spread (pts)
$177kMedian applicant income
89Loans originated
7Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 126 | 5.1% | — | #359 |
| 2024 | 111 | 81 | 11.7% | — | #428 |
| 2025 | 115 | 89 | 6.1% | — | #420 |
What THE POLICE Credit Union lends in California
By loan purpose
By loan type
Where in California
Counties with the most THE POLICE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 25 | 21 | 1 | 4.0% |
| San Francisco County | 12 | 8 | 2 | 16.7% |
| Alameda County | 11 | 8 | 0 | 0.0% |
| Sonoma County | 9 | 8 | 1 | 11.1% |
| Sacramento County | 8 | 5 | 2 | 25.0% |
| Solano County | 8 | 8 | 0 | 0.0% |
| San Mateo County | 7 | 6 | 0 | 0.0% |
| San Joaquin County | 6 | 4 | 0 | 0.0% |
| Los Angeles County | 3 | 2 | 0 | 0.0% |
| Riverside County | 3 | 2 | 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: 115 applications in 2025, of which 89 were originated and 7 denied.
6.1% of all applications, or 6.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are THE POLICE 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