UNCLE Credit Union in California vs the state
21.4%Denial rate+3.98 pts vs state
26.6%Decision denial rate+4.16 pts vs state
59.2%Origination rate+2.97 pts vs state
6.49%Median rate-0.13 pts vs state
-0.61Rate spread (pts)-0.88 pts vs state
$159kMedian applicant income
271Loans originated
98Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 480 | 267 | 25.2% | 7.49% | #229 |
| 2024 | 524 | 289 | 25.8% | 7.49% | #237 |
| 2025 | 458 | 271 | 21.4% | 6.49% | #270 |
What UNCLE Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most UNCLE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Joaquin County | 141 | 79 | 36 | 25.5% |
| Alameda County | 141 | 96 | 20 | 14.2% |
| Contra Costa County | 52 | 32 | 8 | 15.4% |
| Santa Clara County | 25 | 12 | 7 | 28.0% |
| Stanislaus County | 15 | 8 | 6 | 40.0% |
| Sacramento County | 11 | 5 | 3 | 27.3% |
| Los Angeles County | 10 | 4 | 4 | 40.0% |
| Riverside County | 7 | 5 | 2 | 28.6% |
| Calaveras County | 6 | 4 | 0 | 0.0% |
| San Diego County | 6 | 3 | 3 | 50.0% |
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: 458 applications in 2025, of which 271 were originated and 98 denied.
21.4% of all applications, or 26.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans UNCLE Credit Union originated in California in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are UNCLE 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