Evo Home Loans in California vs the state
12.5%Denial rate-4.92 pts vs state
17.4%Decision denial rate-5.01 pts vs state
56.3%Origination rate+0.05 pts vs state
6.99%Median rate+0.37 pts vs state
0.44Rate spread (pts)+0.17 pts vs state
$214kMedian applicant income
18Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 35 | 5.2% | 6.56% | #478 |
| 2024 | 42 | 26 | 9.5% | 6.93% | #550 |
| 2025 | 32 | 18 | 12.5% | 6.99% | #579 |
What Evo Home Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Evo Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 14 | 8 | 1 | 7.1% |
| Los Angeles County | 6 | 3 | 1 | 16.7% |
| San Bernardino County | 5 | 4 | 1 | 20.0% |
| Placer County | 2 | 1 | 0 | 0.0% |
| San Diego County | 2 | 1 | 0 | 0.0% |
| Santa Clara County | 1 | 1 | 0 | 0.0% |
| Riverside County | 1 | 0 | 0 | 0.0% |
| Lake County | 1 | 0 | 1 | 100.0% |
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: 32 applications in 2025, of which 18 were originated and 4 denied.
12.5% of all applications, or 17.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Evo Home Loans originated in California in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Evo Home 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