Unitus Community Credit Union in California vs the state
50.0%Denial rate+32.58 pts vs state
60.0%Decision denial rate+37.60 pts vs state
33.3%Origination rate-22.87 pts vs state
6.81%Median rate+0.19 pts vs state
0.24Rate spread (pts)-0.04 pts vs state
$112kMedian applicant income
2Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 20.0% | 8.62% | #830 |
| 2024 | 9 | 4 | 33.3% | 6.88% | #739 |
| 2025 | 6 | 2 | 50.0% | 6.81% | #799 |
What Unitus Community Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Unitus Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 2 | 1 | 1 | 50.0% |
| San Diego County | 2 | 1 | 1 | 50.0% |
| Sacramento County | 1 | 0 | 1 | 100.0% |
| Lake County | 1 | 0 | 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: 6 applications in 2025, of which 2 were originated and 3 denied.
50.0% of all applications, or 60.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Unitus Community Credit Union originated in California in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Unitus Community 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