Archwest Funding in California vs the state
2.0%Denial rate-15.43 pts vs state
2.0%Decision denial rate-20.37 pts vs state
78.1%Origination rate+21.87 pts vs state
8.70%Median rate+2.07 pts vs state
—Rate spread (pts)
—Median applicant income
235Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 146 | 87 | 9.6% | 9.99% | #383 |
| 2025 | 301 | 235 | 2.0% | 8.70% | #316 |
What Archwest Funding lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Archwest Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 124 | 92 | 2 | 1.6% |
| Orange County | 44 | 39 | 2 | 4.5% |
| San Diego County | 34 | 27 | 1 | 2.9% |
| Santa Clara County | 23 | 20 | 1 | 4.3% |
| Riverside County | 22 | 17 | 0 | 0.0% |
| San Bernardino County | 11 | 11 | 0 | 0.0% |
| San Francisco County | 7 | 7 | 0 | 0.0% |
| Alameda County | 6 | 4 | 0 | 0.0% |
| San Mateo County | 6 | 4 | 0 | 0.0% |
| Contra Costa County | 5 | 5 | 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: 301 applications in 2025, of which 235 were originated and 6 denied.
2.0% of all applications, or 2.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Archwest Funding originated in California in 2025 was 8.70%, against a statewide median of 6.63%.
About this data. Figures are Archwest 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