American Pacific Mortgage in California vs the state
7.8%Denial rate-9.67 pts vs state
9.8%Decision denial rate-12.61 pts vs state
71.2%Origination rate+14.97 pts vs state
6.63%Median rate0.00 pts vs state
0.38Rate spread (pts)+0.11 pts vs state
$148kMedian applicant income
3,554Loans originated
387Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,727 | 4,543 | 5.4% | 6.75% | #25 |
| 2024 | 5,765 | 4,015 | 6.3% | 6.75% | #35 |
| 2025 | 4,994 | 3,554 | 7.8% | 6.63% | #40 |
What American Pacific Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 657 | 499 | 30 | 4.6% |
| Los Angeles County | 448 | 259 | 54 | 12.1% |
| Stanislaus County | 262 | 208 | 11 | 4.2% |
| Shasta County | 250 | 180 | 9 | 3.6% |
| Placer County | 218 | 158 | 9 | 4.1% |
| Contra Costa County | 216 | 165 | 15 | 6.9% |
| San Diego County | 200 | 141 | 17 | 8.5% |
| Riverside County | 190 | 122 | 31 | 16.3% |
| Solano County | 179 | 123 | 13 | 7.3% |
| Alameda County | 178 | 113 | 25 | 14.0% |
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: 4,994 applications in 2025, of which 3,554 were originated and 387 denied.
7.8% of all applications, or 9.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American Pacific Mortgage originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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