American Internet Mortgage in California vs the state
14.9%Denial rate-2.51 pts vs state
22.6%Decision denial rate+0.17 pts vs state
50.5%Origination rate-5.74 pts vs state
6.13%Median rate-0.50 pts vs state
-0.20Rate spread (pts)-0.47 pts vs state
$197kMedian applicant income
220Loans originated
65Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 199 | 103 | 18.6% | 6.50% | #344 |
| 2024 | 322 | 144 | 22.7% | 6.50% | #297 |
| 2025 | 436 | 220 | 14.9% | 6.13% | #279 |
What American Internet Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American Internet Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 80 | 41 | 12 | 15.0% |
| Los Angeles County | 72 | 27 | 13 | 18.1% |
| Orange County | 38 | 19 | 5 | 13.2% |
| Riverside County | 35 | 20 | 4 | 11.4% |
| Sacramento County | 29 | 9 | 4 | 13.8% |
| San Bernardino County | 14 | 9 | 4 | 28.6% |
| Alameda County | 13 | 8 | 2 | 15.4% |
| Contra Costa County | 12 | 6 | 0 | 0.0% |
| Santa Clara County | 12 | 4 | 4 | 33.3% |
| Stanislaus County | 10 | 9 | 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: 436 applications in 2025, of which 220 were originated and 65 denied.
14.9% of all applications, or 22.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American Internet Mortgage originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are American Internet Mortgage'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