Together Credit Union in California vs the state
33.3%Denial rate+15.91 pts vs state
37.9%Decision denial rate+15.53 pts vs state
51.5%Origination rate-4.68 pts vs state
7.50%Median rate+0.88 pts vs state
0.22Rate spread (pts)-0.05 pts vs state
$150kMedian applicant income
17Loans originated
11Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 23 | 34.0% | 7.25% | #548 |
| 2024 | 49 | 30 | 16.3% | 8.50% | #530 |
| 2025 | 33 | 17 | 33.3% | 7.50% | #576 |
What Together Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Together Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 15 | 8 | 4 | 26.7% |
| Solano County | 4 | 1 | 2 | 50.0% |
| Mariposa County | 3 | 1 | 2 | 66.7% |
| Riverside County | 2 | 2 | 0 | 0.0% |
| San Bernardino County | 2 | 0 | 1 | 50.0% |
| Marin County | 2 | 1 | 1 | 50.0% |
| San Diego County | 1 | 1 | 0 | 0.0% |
| Kern County | 1 | 1 | 0 | 0.0% |
| Calaveras County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
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: 33 applications in 2025, of which 17 were originated and 11 denied.
33.3% of all applications, or 37.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Together Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Together 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