University Credit Union in California vs the state
6.6%Denial rate-10.82 pts vs state
14.3%Decision denial rate-8.11 pts vs state
39.6%Origination rate-16.58 pts vs state
6.50%Median rate-0.13 pts vs state
0.03Rate spread (pts)-0.25 pts vs state
$188kMedian applicant income
42Loans originated
7Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 621 | 259 | 24.3% | 8.75% | #192 |
| 2024 | 511 | 216 | 30.9% | 9.00% | #239 |
| 2025 | 106 | 42 | 6.6% | 6.50% | #434 |
What University Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most University Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 61 | 22 | 5 | 8.2% |
| San Bernardino County | 7 | 2 | 2 | 28.6% |
| Alameda County | 6 | 3 | 0 | 0.0% |
| Sacramento County | 5 | 2 | 0 | 0.0% |
| Yolo County | 4 | 4 | 0 | 0.0% |
| Riverside County | 3 | 0 | 0 | 0.0% |
| Ventura County | 3 | 1 | 0 | 0.0% |
| Placer County | 2 | 0 | 0 | 0.0% |
| San Luis Obispo County | 2 | 1 | 0 | 0.0% |
| Kern County | 2 | 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: 106 applications in 2025, of which 42 were originated and 7 denied.
6.6% of all applications, or 14.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans University Credit Union originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are University 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