American Financing in California vs the state
48.2%Denial rate+30.80 pts vs state
71.8%Decision denial rate+49.43 pts vs state
12.4%Origination rate-43.82 pts vs state
6.38%Median rate-0.25 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$114kMedian applicant income
163Loans originated
635Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 586 | 63 | 47.1% | 6.50% | #201 |
| 2024 | 932 | 111 | 61.1% | 5.99% | #163 |
| 2025 | 1,317 | 163 | 48.2% | 6.38% | #143 |
What American Financing lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 182 | 17 | 94 | 51.6% |
| Riverside County | 150 | 19 | 76 | 50.7% |
| San Diego County | 107 | 9 | 55 | 51.4% |
| San Bernardino County | 100 | 17 | 48 | 48.0% |
| Fresno County | 81 | 14 | 37 | 45.7% |
| Orange County | 71 | 3 | 35 | 49.3% |
| Kern County | 64 | 8 | 31 | 48.4% |
| Sacramento County | 49 | 11 | 17 | 34.7% |
| Tulare County | 40 | 10 | 17 | 42.5% |
| San Joaquin County | 38 | 4 | 18 | 47.4% |
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: 1,317 applications in 2025, of which 163 were originated and 635 denied.
48.2% of all applications, or 71.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American Financing originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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