USC Credit Union in California vs the state
17.6%Denial rate+0.14 pts vs state
18.7%Decision denial rate-3.75 pts vs state
70.2%Origination rate+14.04 pts vs state
6.75%Median rate+0.13 pts vs state
1.10Rate spread (pts)+0.83 pts vs state
$192kMedian applicant income
144Loans originated
36Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 218 | 126 | 18.8% | 6.75% | #330 |
| 2024 | 223 | 131 | 19.3% | 7.13% | #337 |
| 2025 | 205 | 144 | 17.6% | 6.75% | #361 |
What USC Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most USC Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 142 | 93 | 28 | 19.7% |
| Orange County | 19 | 16 | 2 | 10.5% |
| San Bernardino County | 13 | 10 | 2 | 15.4% |
| Riverside County | 9 | 7 | 1 | 11.1% |
| Ventura County | 6 | 5 | 1 | 16.7% |
| Kern County | 3 | 3 | 0 | 0.0% |
| Sacramento County | 3 | 3 | 0 | 0.0% |
| Santa Clara County | 2 | 2 | 0 | 0.0% |
| San Francisco County | 2 | 2 | 0 | 0.0% |
| San Luis Obispo County | 1 | 1 | 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: 205 applications in 2025, of which 144 were originated and 36 denied.
17.6% of all applications, or 18.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans USC Credit Union originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are USC 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