Flyhomes Mortgage in California vs the state
7.0%Denial rate-10.40 pts vs state
7.9%Decision denial rate-14.48 pts vs state
79.0%Origination rate+22.75 pts vs state
9.99%Median rate+3.37 pts vs state
4.30Rate spread (pts)+4.03 pts vs state
$155kMedian applicant income
90Loans originated
8Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 78 | 6.9% | 7.81% | #435 |
| 2024 | 44 | 21 | 18.2% | 9.99% | #544 |
| 2025 | 114 | 90 | 7.0% | 9.99% | #421 |
What Flyhomes Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Flyhomes Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 17 | 16 | 0 | 0.0% |
| Los Angeles County | 11 | 8 | 1 | 9.1% |
| Alameda County | 9 | 4 | 2 | 22.2% |
| San Diego County | 9 | 8 | 0 | 0.0% |
| Santa Clara County | 9 | 9 | 0 | 0.0% |
| Sacramento County | 9 | 9 | 0 | 0.0% |
| Riverside County | 7 | 7 | 0 | 0.0% |
| San Francisco County | 6 | 2 | 1 | 16.7% |
| San Mateo County | 6 | 3 | 1 | 16.7% |
| Contra Costa County | 6 | 5 | 1 | 16.7% |
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: 114 applications in 2025, of which 90 were originated and 8 denied.
7.0% of all applications, or 7.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Flyhomes Mortgage originated in California in 2025 was 9.99%, against a statewide median of 6.63%.
About this data. Figures are Flyhomes 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