Direct Mortgage Loans in California vs the state
0.0%Denial rate-17.42 pts vs state
0.0%Decision denial rate-22.40 pts vs state
80.0%Origination rate+23.80 pts vs state
6.38%Median rate-0.25 pts vs state
0.10Rate spread (pts)-0.18 pts vs state
$169kMedian applicant income
4Loans originated
0Denied
What Direct Mortgage Loans lends in California
By loan purpose
By loan type
Where in California
Counties with the most Direct Mortgage Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 2 | 2 | 0 | 0.0% |
| San Diego County | 1 | 1 | 0 | 0.0% |
| Contra Costa County | 1 | 1 | 0 | 0.0% |
| San Bernardino County | 1 | 0 | 0 | 0.0% |
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: 5 applications in 2025, of which 4 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Direct Mortgage Loans originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Direct Mortgage Loans'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