City Lending in California vs the state
25.6%Denial rate+8.16 pts vs state
26.8%Decision denial rate+4.43 pts vs state
69.8%Origination rate+13.57 pts vs state
7.75%Median rate+1.13 pts vs state
1.02Rate spread (pts)+0.75 pts vs state
$160kMedian applicant income
30Loans originated
11Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 57 | 28 | 22.8% | 7.75% | #510 |
| 2025 | 43 | 30 | 25.6% | 7.75% | #541 |
What City Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most City Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 11 | 8 | 2 | 18.2% |
| Los Angeles County | 7 | 6 | 1 | 14.3% |
| Alameda County | 4 | 0 | 4 | 100.0% |
| Solano County | 4 | 2 | 2 | 50.0% |
| San Bernardino County | 4 | 4 | 0 | 0.0% |
| San Diego County | 3 | 0 | 2 | 66.7% |
| Yuba County | 2 | 2 | 0 | 0.0% |
| Merced County | 2 | 2 | 0 | 0.0% |
| Kern County | 2 | 2 | 0 | 0.0% |
| Contra Costa County | 2 | 2 | 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: 43 applications in 2025, of which 30 were originated and 11 denied.
25.6% of all applications, or 26.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans City Lending originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are City Lending'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