Yolo Federal Credit Union in California vs the state
37.5%Denial rate+20.08 pts vs state
41.4%Decision denial rate+18.98 pts vs state
53.1%Origination rate-3.07 pts vs state
6.63%Median rate0.00 pts vs state
—Rate spread (pts)
$128kMedian applicant income
51Loans originated
36Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 49 | 44.7% | 6.00% | #434 |
| 2024 | 83 | 45 | 34.9% | 7.13% | #463 |
| 2025 | 96 | 51 | 37.5% | 6.63% | #447 |
What Yolo Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Yolo Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yolo County | 69 | 39 | 25 | 36.2% |
| Sacramento County | 15 | 5 | 8 | 53.3% |
| Solano County | 5 | 3 | 1 | 20.0% |
| Placer County | 4 | 1 | 2 | 50.0% |
| Yuba County | 2 | 2 | 0 | 0.0% |
| Sutter 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: 96 applications in 2025, of which 51 were originated and 36 denied.
37.5% of all applications, or 41.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Yolo Federal Credit Union originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Yolo 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