USC Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
23rd18.7% deniedPricingmedian rate spread over APOR, weight 30%
10th1.10 ptsProcesswithdrawn + incomplete share, weight 15%
76th5.9%Closing coststotal loan costs ÷ loan amount, weight 10%
100th0.20% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 218 | 126 | 18.8% | 24.3% | 6.75% | $27M |
| 2024 | 223 | 131 | 19.3% | 23.5% | 7.13% | $39M |
| 2025 | 205 | 144 | 17.6% | 18.7% | 6.75% | $56M |
What USC Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Why USC Credit Union denies applications
Primary reason reported for each of the 36 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at USC Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 25 | 14 | 37.5% |
| $100k – $150k | 31 | 21 | 14.3% |
| $150k – $250k | 79 | 62 | 15.8% |
| Over $250k | 64 | 47 | 11.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 23 | 14.3% |
| 35–44 | 66 | 47 | 17.5% |
| 45–54 | 52 | 38 | 18.4% |
| 55–64 | 33 | 20 | 20.0% |
Where USC Credit Union lends
1 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 205 | 144 | 17.6% | 6.75% | #361 |
Frequently asked questions
USC Credit Union denied 18.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of small mortgage lenders.
The most common reason USC Credit Union gave in 2025 was "debt-to-income ratio", cited on 44.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans USC Credit Union originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 1.10 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 25% of its applications were for home purchases, 23% for refinancing (including cash-out), and 52% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.