American Financial Resources in California vs the state
6.5%Denial rate-10.91 pts vs state
9.0%Decision denial rate-13.40 pts vs state
65.1%Origination rate+8.89 pts vs state
6.38%Median rate-0.25 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$136kMedian applicant income
440Loans originated
44Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 63 | 19.7% | 6.75% | #409 |
| 2024 | 330 | 210 | 7.9% | 6.63% | #292 |
| 2025 | 676 | 440 | 6.5% | 6.38% | #211 |
What American Financial Resources lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 93 | 67 | 3 | 3.2% |
| San Bernardino County | 79 | 51 | 2 | 2.5% |
| Los Angeles County | 74 | 37 | 9 | 12.2% |
| San Diego County | 64 | 42 | 5 | 7.8% |
| Sacramento County | 48 | 32 | 3 | 6.3% |
| San Joaquin County | 33 | 19 | 3 | 9.1% |
| Kern County | 26 | 20 | 0 | 0.0% |
| Orange County | 22 | 11 | 1 | 4.5% |
| Humboldt County | 18 | 14 | 1 | 5.6% |
| Fresno County | 17 | 8 | 3 | 17.6% |
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: 676 applications in 2025, of which 440 were originated and 44 denied.
6.5% of all applications, or 9.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American Financial Resources originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are American Financial Resources'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