Ume Federal Credit Union in California vs the state
3.7%Denial rate-13.72 pts vs state
3.9%Decision denial rate-18.55 pts vs state
87.0%Origination rate+30.84 pts vs state
5.99%Median rate-0.63 pts vs state
-0.51Rate spread (pts)-0.78 pts vs state
$192kMedian applicant income
94Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 113 | 7.4% | 5.99% | #385 |
| 2024 | 127 | 109 | 6.3% | 5.99% | #407 |
| 2025 | 108 | 94 | 3.7% | 5.99% | #430 |
What Ume Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ume Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 101 | 87 | 4 | 4.0% |
| Orange County | 3 | 3 | 0 | 0.0% |
| San Bernardino County | 1 | 1 | 0 | 0.0% |
| Riverside County | 1 | 1 | 0 | 0.0% |
| Santa Clara County | 1 | 1 | 0 | 0.0% |
| Ventura 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: 108 applications in 2025, of which 94 were originated and 4 denied.
3.7% of all applications, or 3.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Ume Federal Credit Union originated in California in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Ume 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