American Financial Network in California vs the state
9.7%Denial rate-7.68 pts vs state
13.5%Decision denial rate-8.95 pts vs state
61.5%Origination rate+5.32 pts vs state
6.63%Median rate0.00 pts vs state
0.38Rate spread (pts)+0.11 pts vs state
$143kMedian applicant income
1,554Loans originated
246Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,916 | 1,611 | 8.9% | 6.63% | #59 |
| 2024 | 2,718 | 1,664 | 8.3% | 6.75% | #64 |
| 2025 | 2,526 | 1,554 | 9.7% | 6.63% | #80 |
What American Financial Network lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 698 | 400 | 65 | 9.3% |
| Riverside County | 427 | 267 | 43 | 10.1% |
| San Bernardino County | 401 | 257 | 40 | 10.0% |
| San Diego County | 156 | 95 | 15 | 9.6% |
| Orange County | 152 | 98 | 10 | 6.6% |
| Kern County | 95 | 69 | 7 | 7.4% |
| Sacramento County | 77 | 49 | 7 | 9.1% |
| San Joaquin County | 61 | 44 | 5 | 8.2% |
| Fresno County | 54 | 33 | 9 | 16.7% |
| Contra Costa County | 50 | 26 | 8 | 16.0% |
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: 2,526 applications in 2025, of which 1,554 were originated and 246 denied.
9.7% of all applications, or 13.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American Financial Network originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Financial Network'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