Deephaven Mortgage in California vs the state
35.8%Denial rate+18.37 pts vs state
39.9%Decision denial rate+17.46 pts vs state
53.5%Origination rate-2.73 pts vs state
7.88%Median rate+1.25 pts vs state
2.10Rate spread (pts)+1.83 pts vs state
$310kMedian applicant income
1,010Loans originated
676Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 679 | 358 | 35.8% | 8.13% | #177 |
| 2024 | 1,462 | 737 | 38.5% | 7.99% | #115 |
| 2025 | 1,889 | 1,010 | 35.8% | 7.88% | #109 |
What Deephaven Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Deephaven Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 477 | 261 | 171 | 35.8% |
| Orange County | 212 | 137 | 58 | 27.4% |
| San Diego County | 202 | 105 | 76 | 37.6% |
| Riverside County | 180 | 103 | 56 | 31.1% |
| San Bernardino County | 117 | 56 | 43 | 36.8% |
| Santa Clara County | 52 | 29 | 14 | 26.9% |
| Alameda County | 47 | 21 | 21 | 44.7% |
| Fresno County | 45 | 28 | 13 | 28.9% |
| Sacramento County | 44 | 21 | 20 | 45.5% |
| Contra Costa County | 43 | 22 | 18 | 41.9% |
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: 1,889 applications in 2025, of which 1,010 were originated and 676 denied.
35.8% of all applications, or 39.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Deephaven Mortgage originated in California in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are Deephaven 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