Dhi Mortgage Company in California vs the state
8.6%Denial rate-8.82 pts vs state
10.7%Decision denial rate-11.75 pts vs state
71.5%Origination rate+15.25 pts vs state
5.25%Median rate-1.38 pts vs state
-1.06Rate spread (pts)-1.33 pts vs state
$133kMedian applicant income
2,776Loans originated
334Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,060 | 2,484 | 5.8% | 5.75% | #55 |
| 2024 | 3,761 | 2,960 | 6.0% | 5.50% | #49 |
| 2025 | 3,885 | 2,776 | 8.6% | 5.25% | #55 |
What Dhi Mortgage Company lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Dhi Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 1,324 | 914 | 141 | 10.6% |
| Kern County | 417 | 309 | 37 | 8.9% |
| Tulare County | 383 | 289 | 14 | 3.7% |
| San Bernardino County | 277 | 160 | 51 | 18.4% |
| Placer County | 250 | 175 | 21 | 8.4% |
| Merced County | 237 | 182 | 20 | 8.4% |
| San Joaquin County | 173 | 142 | 9 | 5.2% |
| Shasta County | 117 | 81 | 4 | 3.4% |
| Stanislaus County | 108 | 90 | 4 | 3.7% |
| Fresno County | 95 | 78 | 5 | 5.3% |
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: 3,885 applications in 2025, of which 2,776 were originated and 334 denied.
8.6% of all applications, or 10.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Dhi Mortgage Company originated in California in 2025 was 5.25%, against a statewide median of 6.63%.
About this data. Figures are Dhi Mortgage Company'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