Everett Financial in California vs the state
3.4%Denial rate-14.06 pts vs state
6.6%Decision denial rate-15.84 pts vs state
47.4%Origination rate-8.80 pts vs state
6.75%Median rate+0.13 pts vs state
0.50Rate spread (pts)+0.22 pts vs state
$156kMedian applicant income
1,342Loans originated
95Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,557 | 838 | 5.1% | 6.88% | #46 |
| 2024 | 1,430 | 1,019 | 5.3% | 6.88% | #120 |
| 2025 | 2,831 | 1,342 | 3.4% | 6.75% | #71 |
What Everett Financial lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 478 | 303 | 17 | 3.6% |
| Los Angeles County | 274 | 65 | 11 | 4.0% |
| Alameda County | 231 | 116 | 11 | 4.8% |
| Orange County | 169 | 60 | 6 | 3.6% |
| San Diego County | 167 | 49 | 3 | 1.8% |
| Solano County | 144 | 88 | 5 | 3.5% |
| Riverside County | 124 | 43 | 3 | 2.4% |
| Kern County | 103 | 58 | 3 | 2.9% |
| San Joaquin County | 100 | 54 | 2 | 2.0% |
| Imperial County | 94 | 65 | 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: 2,831 applications in 2025, of which 1,342 were originated and 95 denied.
3.4% of all applications, or 6.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Everett Financial originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Everett Financial'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