21st Mortgage in California vs the state
36.9%Denial rate+19.52 pts vs state
69.9%Decision denial rate+47.51 pts vs state
15.4%Origination rate-40.78 pts vs state
10.02%Median rate+3.39 pts vs state
4.31Rate spread (pts)+4.04 pts vs state
$84kMedian applicant income
1,262Loans originated
3,023Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11,204 | 1,558 | 37.3% | 9.89% | #12 |
| 2024 | 9,839 | 1,608 | 36.4% | 9.96% | #19 |
| 2025 | 8,184 | 1,262 | 36.9% | 10.02% | #26 |
What 21st Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,555 | 244 | 576 | 37.0% |
| Riverside County | 1,150 | 168 | 456 | 39.7% |
| San Bernardino County | 1,045 | 131 | 417 | 39.9% |
| San Diego County | 982 | 163 | 296 | 30.1% |
| Orange County | 442 | 41 | 172 | 38.9% |
| Santa Clara County | 291 | 55 | 72 | 24.7% |
| Kern County | 263 | 46 | 97 | 36.9% |
| Sacramento County | 234 | 43 | 94 | 40.2% |
| Contra Costa County | 167 | 27 | 75 | 44.9% |
| Stanislaus County | 160 | 30 | 61 | 38.1% |
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: 8,184 applications in 2025, of which 1,262 were originated and 3,023 denied.
36.9% of all applications, or 69.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans 21st Mortgage originated in California in 2025 was 10.02%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage'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