Digital in California vs the state
17.2%Denial rate-0.20 pts vs state
29.3%Decision denial rate+6.85 pts vs state
41.1%Origination rate-15.09 pts vs state
7.74%Median rate+1.12 pts vs state
0.46Rate spread (pts)+0.19 pts vs state
$237kMedian applicant income
148Loans originated
62Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 566 | 227 | 18.7% | 6.50% | #204 |
| 2024 | 490 | 161 | 21.0% | 7.87% | #247 |
| 2025 | 360 | 148 | 17.2% | 7.74% | #300 |
What Digital lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 48 | 26 | 10 | 20.8% |
| Alameda County | 48 | 16 | 7 | 14.6% |
| Orange County | 43 | 22 | 6 | 14.0% |
| Santa Clara County | 41 | 15 | 5 | 12.2% |
| Contra Costa County | 33 | 12 | 7 | 21.2% |
| San Joaquin County | 31 | 10 | 4 | 12.9% |
| San Diego County | 23 | 8 | 4 | 17.4% |
| Riverside County | 20 | 8 | 7 | 35.0% |
| Sacramento County | 18 | 7 | 4 | 22.2% |
| San Bernardino County | 9 | 5 | 1 | 11.1% |
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: 360 applications in 2025, of which 148 were originated and 62 denied.
17.2% of all applications, or 29.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Digital originated in California in 2025 was 7.74%, against a statewide median of 6.63%.
About this data. Figures are Digital'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