Altitude Financial in California vs the state
2.5%Denial rate-14.89 pts vs state
3.0%Decision denial rate-19.37 pts vs state
79.8%Origination rate+23.55 pts vs state
6.38%Median rate-0.25 pts vs state
0.21Rate spread (pts)-0.06 pts vs state
$120kMedian applicant income
63Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 53 | 1.6% | 6.88% | #508 |
| 2024 | 111 | 99 | 0.0% | 6.63% | #427 |
| 2025 | 79 | 63 | 2.5% | 6.38% | #471 |
What Altitude Financial lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Altitude Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fresno County | 38 | 29 | 1 | 2.6% |
| Madera County | 12 | 11 | 1 | 8.3% |
| Riverside County | 5 | 4 | 0 | 0.0% |
| San Luis Obispo County | 4 | 2 | 0 | 0.0% |
| Tulare County | 4 | 4 | 0 | 0.0% |
| Merced County | 4 | 4 | 0 | 0.0% |
| San Diego County | 3 | 3 | 0 | 0.0% |
| Sacramento County | 2 | 1 | 0 | 0.0% |
| Santa Barbara County | 2 | 2 | 0 | 0.0% |
| Kern 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: 79 applications in 2025, of which 63 were originated and 2 denied.
2.5% of all applications, or 3.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Altitude Financial originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Altitude Financial'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