Wright Patman Congressional Federal Credit Union in California vs the state
20.0%Denial rate+2.58 pts vs state
21.4%Decision denial rate-0.97 pts vs state
66.7%Origination rate+10.47 pts vs state
6.25%Median rate-0.38 pts vs state
6.38Rate spread (pts)+6.11 pts vs state
$228kMedian applicant income
20Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 16 | 17.4% | 5.62% | #632 |
| 2024 | 20 | 15 | 0.0% | 6.74% | #634 |
| 2025 | 30 | 20 | 20.0% | 6.25% | #596 |
What Wright Patman Congressional Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Wright Patman Congressional Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 9 | 6 | 1 | 11.1% |
| Alameda County | 3 | 2 | 1 | 33.3% |
| San Diego County | 3 | 3 | 0 | 0.0% |
| Napa County | 3 | 1 | 1 | 33.3% |
| Sacramento County | 3 | 3 | 0 | 0.0% |
| Orange County | 2 | 1 | 1 | 50.0% |
| Riverside County | 2 | 1 | 1 | 50.0% |
| Ventura County | 1 | 1 | 0 | 0.0% |
| Sonoma County | 1 | 0 | 1 | 100.0% |
| Monterey 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: 30 applications in 2025, of which 20 were originated and 6 denied.
20.0% of all applications, or 21.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Wright Patman Congressional Federal Credit Union originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Wright Patman Congressional Federal 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