Arc Home in California vs the state
11.6%Denial rate-5.79 pts vs state
17.2%Decision denial rate-5.17 pts vs state
54.8%Origination rate-1.42 pts vs state
7.00%Median rate+0.38 pts vs state
0.64Rate spread (pts)+0.37 pts vs state
$349kMedian applicant income
504Loans originated
107Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 692 | 349 | 17.1% | 7.88% | #175 |
| 2024 | 809 | 450 | 12.6% | 7.38% | #181 |
| 2025 | 920 | 504 | 11.6% | 7.00% | #184 |
What Arc Home lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 199 | 104 | 27 | 13.6% |
| San Diego County | 141 | 74 | 16 | 11.3% |
| Orange County | 120 | 65 | 17 | 14.2% |
| Riverside County | 68 | 39 | 8 | 11.8% |
| San Bernardino County | 48 | 31 | 3 | 6.3% |
| Santa Clara County | 41 | 18 | 4 | 9.8% |
| Contra Costa County | 40 | 30 | 0 | 0.0% |
| Fresno County | 25 | 15 | 1 | 4.0% |
| Alameda County | 25 | 17 | 1 | 4.0% |
| Ventura County | 22 | 13 | 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: 920 applications in 2025, of which 504 were originated and 107 denied.
11.6% of all applications, or 17.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Arc Home originated in California in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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