ABL RPC Residential Credit Acquisition in California vs the state
45.5%Denial rate+28.03 pts vs state
50.0%Decision denial rate+27.60 pts vs state
45.5%Origination rate-10.75 pts vs state
10.50%Median rate+3.88 pts vs state
—Rate spread (pts)
—Median applicant income
5Loans originated
5Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 1 | 33.3% | 8.50% | #808 |
| 2025 | 11 | 5 | 45.5% | 10.50% | #717 |
What ABL RPC Residential Credit Acquisition lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most ABL RPC Residential Credit Acquisition applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butte County | 3 | 2 | 1 | 33.3% |
| Sacramento County | 2 | 1 | 1 | 50.0% |
| Orange County | 2 | 0 | 1 | 50.0% |
| San Bernardino County | 2 | 2 | 0 | 0.0% |
| Lassen County | 1 | 0 | 1 | 100.0% |
| San Diego County | 1 | 0 | 1 | 100.0% |
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: 11 applications in 2025, of which 5 were originated and 5 denied.
45.5% of all applications, or 50.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans ABL RPC Residential Credit Acquisition originated in California in 2025 was 10.50%, against a statewide median of 6.63%.
About this data. Figures are ABL RPC Residential Credit Acquisition'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