Filo Mortgage in California vs the state
6.0%Denial rate-11.43 pts vs state
10.9%Decision denial rate-11.49 pts vs state
41.2%Origination rate-15.05 pts vs state
6.38%Median rate-0.25 pts vs state
0.03Rate spread (pts)-0.25 pts vs state
$194kMedian applicant income
165Loans originated
24Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 262 | 73 | 4.6% | 6.38% | #306 |
| 2024 | 287 | 122 | 3.1% | 6.50% | #309 |
| 2025 | 401 | 165 | 6.0% | 6.38% | #288 |
What Filo Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Filo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 85 | 40 | 9 | 10.6% |
| Orange County | 41 | 22 | 2 | 4.9% |
| San Diego County | 38 | 12 | 5 | 13.2% |
| Riverside County | 33 | 14 | 4 | 12.1% |
| Sacramento County | 28 | 11 | 1 | 3.6% |
| San Bernardino County | 26 | 13 | 0 | 0.0% |
| Alameda County | 18 | 3 | 0 | 0.0% |
| San Joaquin County | 18 | 7 | 0 | 0.0% |
| Santa Clara County | 12 | 2 | 0 | 0.0% |
| Fresno County | 10 | 5 | 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: 401 applications in 2025, of which 165 were originated and 24 denied.
6.0% of all applications, or 10.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Filo Mortgage originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Filo 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