Fidelity Lending Solutions in California vs the state
1.6%Denial rate-15.87 pts vs state
1.7%Decision denial rate-20.70 pts vs state
73.1%Origination rate+16.87 pts vs state
7.00%Median rate+0.38 pts vs state
0.52Rate spread (pts)+0.25 pts vs state
$227kMedian applicant income
567Loans originated
12Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 1,090 | 707 | 1.5% | 7.38% | #147 |
| 2025 | 776 | 567 | 1.6% | 7.00% | #198 |
What Fidelity Lending Solutions lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Fidelity Lending Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 297 | 217 | 3 | 1.0% |
| Orange County | 99 | 68 | 3 | 3.0% |
| San Bernardino County | 56 | 51 | 1 | 1.8% |
| San Diego County | 46 | 28 | 1 | 2.2% |
| Sacramento County | 39 | 32 | 0 | 0.0% |
| Alameda County | 38 | 26 | 0 | 0.0% |
| Santa Clara County | 33 | 22 | 1 | 3.0% |
| Riverside County | 32 | 20 | 0 | 0.0% |
| San Francisco County | 31 | 25 | 0 | 0.0% |
| Contra Costa County | 24 | 20 | 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: 776 applications in 2025, of which 567 were originated and 12 denied.
1.6% of all applications, or 1.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Fidelity Lending Solutions originated in California in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Fidelity Lending Solutions'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