Lenders › Credit Human Federal Credit Un › California
Credit Human Federal Credit Un in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Credit Human Federal Credit Un's 2024 HMDA record for California covers 2,061 applications, 557 of them originated, worth $72m.
Its denial rate in the state was 47.5%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 76.5%.
The median rate spread on its California originations was 3.0 percentage points (state median 0.4).
Applications in the state were up 40% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Credit Human Federal Credit Un, all states | United States |
|---|---|---|---|---|
| Denial rate | 47.5% | 24.8% | 76.5% | 24.3% |
| Median rate spread, pp | 3.0 | 0.4 | 2.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 99.8% | 19.9% | 85.6% | 15.6% |
| Average originated loan | $129k | $566k | $113k | $329k |
| Home purchase share | 92.8% | 51.2% | 88.9% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 93% (517)Refinancing 2% (13)Cash-out refinancing 1% (6)Other purpose 4% (21)
By type
Conventional 100% (557)
Denial reasons as coded
Share of 973 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Riverside County | 242 | 74 | $8.5m | 44.4% |
| Los Angeles County | 249 | 58 | $8.1m | 54.3% |
| Santa Clara County | 169 | 55 | $11m | 37.9% |
| San Diego County | 197 | 51 | $7.6m | 49.2% |
| Sacramento County | 124 | 46 | $3.7m | 39.5% |
| San Bernardino County | 196 | 39 | $4.6m | 54.6% |
| Ventura County | 68 | 32 | $4.6m | 35.3% |
| Kern County | 58 | 21 | $2.2m | 45.6% |
| Orange County | 105 | 15 | $2.5m | 59.6% |
| Stanislaus County | 31 | 12 | $1.2m | 45.2% |
| Contra Costa County | 56 | 11 | $1.4m | 44.6% |
| San Joaquin County | 41 | 11 | $1.3m | 41.5% |
| Alameda County | 41 | 9 | $1.3m | 48.8% |
| Sonoma County | 40 | 8 | $970k | 45.0% |
| Tulare County | 30 | 8 | $730k | 46.7% |
| Placer County | 25 | 8 | $800k | 48.0% |
| Fresno County | 30 | 5 | $615k | 51.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Credit Human Federal Credit Un originate in California in 2024?
557 loans totalling $72m, from 2,061 applications reported for properties in California.
What is Credit Human Federal Credit Un's denial rate in California?
47.5% of decided applications in California were denied, against 24.8% for all lenders in the state and 76.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Credit Human Federal Credit Un lend in most?
By originations: Riverside County (74), Los Angeles County (58), Santa Clara County (55), San Diego County (51), Sacramento County (46).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.