Fundloans Capital in California vs the state
4.9%Denial rate-12.50 pts vs state
9.0%Decision denial rate-13.40 pts vs state
49.8%Origination rate-6.43 pts vs state
7.88%Median rate+1.25 pts vs state
1.56Rate spread (pts)+1.29 pts vs state
$486kMedian applicant income
536Loans originated
53Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 755 | 327 | 18.7% | 9.99% | #162 |
| 2024 | 1,001 | 579 | 7.4% | 8.38% | #158 |
| 2025 | 1,077 | 536 | 4.9% | 7.88% | #163 |
What Fundloans Capital lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Fundloans Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 337 | 175 | 19 | 5.6% |
| San Diego County | 256 | 147 | 12 | 4.7% |
| Orange County | 158 | 72 | 8 | 5.1% |
| Riverside County | 74 | 33 | 8 | 10.8% |
| San Bernardino County | 29 | 11 | 0 | 0.0% |
| Santa Clara County | 26 | 11 | 1 | 3.8% |
| Alameda County | 25 | 4 | 2 | 8.0% |
| Ventura County | 21 | 11 | 0 | 0.0% |
| Contra Costa County | 18 | 7 | 0 | 0.0% |
| Sacramento County | 17 | 9 | 1 | 5.9% |
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: 1,077 applications in 2025, of which 536 were originated and 53 denied.
4.9% of all applications, or 9.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Fundloans Capital originated in California in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are Fundloans Capital'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