Arixa Enhanced Income Fund in California vs the state
3.4%Denial rate-14.06 pts vs state
3.5%Decision denial rate-18.86 pts vs state
91.6%Origination rate+35.40 pts vs state
10.25%Median rate+3.63 pts vs state
—Rate spread (pts)
—Median applicant income
109Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 77 | 0.0% | 10.50% | #457 |
| 2024 | 155 | 146 | 0.0% | 10.75% | #378 |
| 2025 | 119 | 109 | 3.4% | 10.25% | #412 |
What Arixa Enhanced Income Fund lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Arixa Enhanced Income Fund applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 85 | 79 | 2 | 2.4% |
| San Diego County | 8 | 7 | 1 | 12.5% |
| San Francisco County | 7 | 6 | 1 | 14.3% |
| Santa Barbara County | 4 | 3 | 0 | 0.0% |
| Santa Clara County | 3 | 2 | 0 | 0.0% |
| Ventura County | 3 | 3 | 0 | 0.0% |
| Sacramento County | 2 | 2 | 0 | 0.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Alameda County | 2 | 2 | 0 | 0.0% |
| San Mateo County | 1 | 1 | 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: 119 applications in 2025, of which 109 were originated and 4 denied.
3.4% of all applications, or 3.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Arixa Enhanced Income Fund originated in California in 2025 was 10.25%, against a statewide median of 6.63%.
About this data. Figures are Arixa Enhanced Income Fund'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