Fairway Independent Mortgage in California vs the state
3.8%Denial rate-13.65 pts vs state
4.9%Decision denial rate-17.46 pts vs state
71.6%Origination rate+15.42 pts vs state
6.63%Median rate0.00 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$146kMedian applicant income
2,867Loans originated
151Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,832 | 3,352 | 5.9% | 6.63% | #34 |
| 2024 | 3,867 | 2,807 | 5.7% | 6.63% | #47 |
| 2025 | 4,003 | 2,867 | 3.8% | 6.63% | #52 |
What Fairway Independent Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 691 | 500 | 22 | 3.2% |
| Los Angeles County | 649 | 463 | 22 | 3.4% |
| Riverside County | 419 | 304 | 18 | 4.3% |
| Humboldt County | 351 | 252 | 17 | 4.8% |
| San Bernardino County | 200 | 134 | 13 | 6.5% |
| Tuolumne County | 174 | 140 | 1 | 0.6% |
| Butte County | 163 | 121 | 3 | 1.8% |
| Kern County | 143 | 104 | 8 | 5.6% |
| Sacramento County | 118 | 81 | 4 | 3.4% |
| Plumas County | 98 | 65 | 2 | 2.0% |
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: 4,003 applications in 2025, of which 2,867 were originated and 151 denied.
3.8% of all applications, or 4.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Fairway Independent Mortgage originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Fairway Independent 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