Wheelhouse Credit Union in California vs the state
6.6%Denial rate-10.78 pts vs state
9.2%Decision denial rate-13.25 pts vs state
63.3%Origination rate+7.07 pts vs state
6.99%Median rate+0.37 pts vs state
-0.16Rate spread (pts)-0.44 pts vs state
$165kMedian applicant income
143Loans originated
15Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 85 | 4.6% | 7.24% | #422 |
| 2024 | 185 | 115 | 5.4% | 7.99% | #358 |
| 2025 | 226 | 143 | 6.6% | 6.99% | #348 |
What Wheelhouse Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Wheelhouse Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 181 | 112 | 13 | 7.2% |
| Orange County | 12 | 6 | 1 | 8.3% |
| Riverside County | 12 | 10 | 0 | 0.0% |
| San Bernardino County | 7 | 6 | 0 | 0.0% |
| Los Angeles County | 3 | 2 | 0 | 0.0% |
| Santa Clara County | 2 | 1 | 0 | 0.0% |
| Imperial County | 1 | 1 | 0 | 0.0% |
| Madera County | 1 | 1 | 0 | 0.0% |
| Santa Barbara County | 1 | 1 | 0 | 0.0% |
| Sacramento County | 1 | 0 | 1 | 100.0% |
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: 226 applications in 2025, of which 143 were originated and 15 denied.
6.6% of all applications, or 9.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Wheelhouse Credit Union originated in California in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Wheelhouse 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