Affinity in California vs the state
28.9%Denial rate+11.47 pts vs state
38.2%Decision denial rate+15.84 pts vs state
42.2%Origination rate-13.98 pts vs state
4.90%Median rate-1.72 pts vs state
-2.17Rate spread (pts)-2.44 pts vs state
$238kMedian applicant income
19Loans originated
13Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 10 | 48.0% | 7.75% | #627 |
| 2024 | 19 | 7 | 42.1% | 6.13% | #640 |
| 2025 | 45 | 19 | 28.9% | 4.90% | #537 |
What Affinity lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 8 | 2 | 5 | 62.5% |
| San Diego County | 6 | 3 | 1 | 16.7% |
| Santa Clara County | 5 | 2 | 2 | 40.0% |
| Alameda County | 4 | 1 | 1 | 25.0% |
| Orange County | 4 | 1 | 1 | 25.0% |
| Riverside County | 4 | 1 | 0 | 0.0% |
| Contra Costa County | 3 | 0 | 3 | 100.0% |
| Sacramento County | 3 | 3 | 0 | 0.0% |
| San Francisco County | 2 | 1 | 0 | 0.0% |
| Stanislaus 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: 45 applications in 2025, of which 19 were originated and 13 denied.
28.9% of all applications, or 38.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Affinity originated in California in 2025 was 4.90%, against a statewide median of 6.63%.
About this data. Figures are Affinity'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