Crosscountry Mortgage in California vs the state
3.6%Denial rate-13.79 pts vs state
5.1%Decision denial rate-17.28 pts vs state
65.1%Origination rate+8.86 pts vs state
6.75%Median rate+0.13 pts vs state
0.37Rate spread (pts)+0.09 pts vs state
$188kMedian applicant income
9,599Loans originated
535Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,891 | 6,507 | 1.0% | 6.88% | #13 |
| 2024 | 12,452 | 8,060 | 1.3% | 6.88% | #15 |
| 2025 | 14,753 | 9,599 | 3.6% | 6.75% | #14 |
What Crosscountry Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Crosscountry Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 2,129 | 1,368 | 75 | 3.5% |
| Los Angeles County | 1,758 | 1,064 | 77 | 4.4% |
| Riverside County | 1,228 | 733 | 57 | 4.6% |
| Contra Costa County | 1,005 | 748 | 27 | 2.7% |
| Alameda County | 972 | 713 | 18 | 1.9% |
| Orange County | 805 | 512 | 39 | 4.8% |
| San Bernardino County | 704 | 402 | 34 | 4.8% |
| Stanislaus County | 485 | 319 | 11 | 2.3% |
| Sacramento County | 420 | 244 | 14 | 3.3% |
| Solano County | 413 | 281 | 7 | 1.7% |
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: 14,753 applications in 2025, of which 9,599 were originated and 535 denied.
3.6% of all applications, or 5.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Crosscountry Mortgage originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Crosscountry Mortgage'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