AAFMAA Mortgage Services in California vs the state
11.1%Denial rate-6.31 pts vs state
16.7%Decision denial rate-5.73 pts vs state
55.6%Origination rate-0.64 pts vs state
6.13%Median rate-0.50 pts vs state
-0.08Rate spread (pts)-0.35 pts vs state
$189kMedian applicant income
5Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 11 | 4.8% | 8.50% | #643 |
| 2024 | 10 | 7 | 10.0% | 6.88% | #727 |
| 2025 | 9 | 5 | 11.1% | 6.13% | #744 |
What AAFMAA Mortgage Services lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most AAFMAA Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 3 | 1 | 0 | 0.0% |
| Riverside County | 2 | 1 | 1 | 50.0% |
| San Diego County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 0 | 0.0% |
| Santa Barbara County | 1 | 1 | 0 | 0.0% |
| Butte 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: 9 applications in 2025, of which 5 were originated and 1 denied.
11.1% of all applications, or 16.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans AAFMAA Mortgage Services originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are AAFMAA Mortgage Services'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