United Federal Credit Union in California vs the state
31.6%Denial rate+14.16 pts vs state
40.0%Decision denial rate+17.60 pts vs state
44.7%Origination rate-11.46 pts vs state
6.88%Median rate+0.25 pts vs state
-0.01Rate spread (pts)-0.28 pts vs state
$166kMedian applicant income
17Loans originated
12Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 12 | 35.3% | 8.25% | #588 |
| 2024 | 29 | 7 | 55.2% | 7.80% | #597 |
| 2025 | 38 | 17 | 31.6% | 6.88% | #562 |
What United Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Plumas County | 5 | 3 | 1 | 20.0% |
| El Dorado County | 4 | 0 | 2 | 50.0% |
| San Diego County | 3 | 1 | 1 | 33.3% |
| Fresno County | 3 | 0 | 0 | 0.0% |
| Madera County | 2 | 0 | 1 | 50.0% |
| Nevada County | 2 | 1 | 1 | 50.0% |
| Placer County | 2 | 2 | 0 | 0.0% |
| Mono County | 2 | 1 | 1 | 50.0% |
| Sacramento County | 1 | 1 | 0 | 0.0% |
| Tuolumne 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: 38 applications in 2025, of which 17 were originated and 12 denied.
31.6% of all applications, or 40.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans United Federal Credit Union originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are United 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