AMWEST Funding in California vs the state
5.9%Denial rate-11.51 pts vs state
8.9%Decision denial rate-13.54 pts vs state
60.5%Origination rate+4.33 pts vs state
7.00%Median rate+0.38 pts vs state
0.66Rate spread (pts)+0.39 pts vs state
$228kMedian applicant income
4,633Loans originated
452Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,268 | 2,660 | 7.9% | 7.88% | #41 |
| 2024 | 6,507 | 3,834 | 8.2% | 7.63% | #30 |
| 2025 | 7,654 | 4,633 | 5.9% | 7.00% | #29 |
What AMWEST Funding lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most AMWEST Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 2,643 | 1,583 | 166 | 6.3% |
| Orange County | 1,166 | 700 | 70 | 6.0% |
| San Diego County | 568 | 350 | 19 | 3.3% |
| Riverside County | 506 | 281 | 28 | 5.5% |
| San Bernardino County | 425 | 244 | 30 | 7.1% |
| Santa Clara County | 391 | 252 | 22 | 5.6% |
| Alameda County | 294 | 200 | 11 | 3.7% |
| Sacramento County | 219 | 130 | 14 | 6.4% |
| Contra Costa County | 185 | 104 | 12 | 6.5% |
| Ventura County | 170 | 93 | 12 | 7.1% |
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: 7,654 applications in 2025, of which 4,633 were originated and 452 denied.
5.9% of all applications, or 8.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans AMWEST Funding originated in California in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are AMWEST Funding'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