Click n' Close in California vs the state
4.5%Denial rate-12.93 pts vs state
7.0%Decision denial rate-15.41 pts vs state
57.0%Origination rate+0.82 pts vs state
6.75%Median rate+0.13 pts vs state
2.19Rate spread (pts)+1.92 pts vs state
$131kMedian applicant income
203Loans originated
16Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 284 | 129 | 4.6% | 6.88% | #295 |
| 2024 | 1,560 | 183 | 1.0% | 7.00% | #112 |
| 2025 | 356 | 203 | 4.5% | 6.75% | #301 |
What Click n' Close lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 46 | 29 | 4 | 8.7% |
| Riverside County | 36 | 24 | 2 | 5.6% |
| San Diego County | 26 | 21 | 1 | 3.8% |
| San Bernardino County | 26 | 15 | 1 | 3.8% |
| Kern County | 16 | 13 | 0 | 0.0% |
| Placer County | 16 | 7 | 0 | 0.0% |
| Contra Costa County | 14 | 7 | 0 | 0.0% |
| Stanislaus County | 14 | 7 | 1 | 7.1% |
| Solano County | 13 | 8 | 1 | 7.7% |
| Los Angeles County | 13 | 8 | 3 | 23.1% |
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: 356 applications in 2025, of which 203 were originated and 16 denied.
4.5% of all applications, or 7.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Click n' Close originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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