United States Senate Federal Credit Union in California vs the state
11.4%Denial rate-6.03 pts vs state
12.7%Decision denial rate-9.72 pts vs state
70.9%Origination rate+14.69 pts vs state
7.32%Median rate+0.69 pts vs state
0.89Rate spread (pts)+0.62 pts vs state
$226kMedian applicant income
56Loans originated
9Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 85 | 8.1% | 7.38% | #417 |
| 2024 | 89 | 63 | 15.7% | 8.13% | #454 |
| 2025 | 79 | 56 | 11.4% | 7.32% | #469 |
What United States Senate 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 States Senate Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 18 | 9 | 1 | 5.6% |
| Riverside County | 12 | 10 | 0 | 0.0% |
| San Diego County | 9 | 4 | 5 | 55.6% |
| San Bernardino County | 8 | 8 | 0 | 0.0% |
| Orange County | 7 | 4 | 1 | 14.3% |
| Sacramento County | 5 | 3 | 2 | 40.0% |
| Ventura County | 4 | 4 | 0 | 0.0% |
| Solano County | 3 | 3 | 0 | 0.0% |
| Placer County | 2 | 1 | 0 | 0.0% |
| Kern County | 2 | 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: 79 applications in 2025, of which 56 were originated and 9 denied.
11.4% of all applications, or 12.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans United States Senate Federal Credit Union originated in California in 2025 was 7.32%, against a statewide median of 6.63%.
About this data. Figures are United States Senate 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