Equity Prime Mortgage in California vs the state
9.4%Denial rate-8.01 pts vs state
17.5%Decision denial rate-4.93 pts vs state
44.1%Origination rate-12.06 pts vs state
6.25%Median rate-0.38 pts vs state
0.23Rate spread (pts)-0.04 pts vs state
$122kMedian applicant income
1,126Loans originated
240Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 854 | 426 | 4.9% | 6.75% | #150 |
| 2024 | 1,683 | 957 | 3.2% | 6.50% | #102 |
| 2025 | 2,551 | 1,126 | 9.4% | 6.25% | #79 |
What Equity Prime Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 357 | 151 | 28 | 7.8% |
| Riverside County | 353 | 167 | 33 | 9.3% |
| San Bernardino County | 287 | 129 | 23 | 8.0% |
| San Diego County | 211 | 106 | 26 | 12.3% |
| Sacramento County | 143 | 52 | 14 | 9.8% |
| Kern County | 125 | 52 | 19 | 15.2% |
| Fresno County | 96 | 40 | 8 | 8.3% |
| Orange County | 90 | 34 | 7 | 7.8% |
| San Joaquin County | 75 | 32 | 10 | 13.3% |
| Solano County | 64 | 31 | 5 | 7.8% |
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: 2,551 applications in 2025, of which 1,126 were originated and 240 denied.
9.4% of all applications, or 17.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Equity Prime Mortgage originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Equity Prime 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