General Mortgage Capital in California vs the state
0.8%Denial rate-16.60 pts vs state
1.0%Decision denial rate-21.37 pts vs state
78.4%Origination rate+22.24 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$215kMedian applicant income
1,623Loans originated
17Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,063 | 826 | 1.1% | 6.75% | #128 |
| 2024 | 1,692 | 1,324 | 1.1% | 6.88% | #101 |
| 2025 | 2,069 | 1,623 | 0.8% | 6.50% | #105 |
What General Mortgage Capital lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most General Mortgage Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 324 | 261 | 5 | 1.5% |
| Santa Clara County | 275 | 208 | 0 | 0.0% |
| Alameda County | 243 | 185 | 3 | 1.2% |
| Orange County | 213 | 170 | 2 | 0.9% |
| San Mateo County | 199 | 156 | 3 | 1.5% |
| San Francisco County | 152 | 130 | 1 | 0.7% |
| San Bernardino County | 129 | 104 | 0 | 0.0% |
| Sacramento County | 113 | 89 | 0 | 0.0% |
| Contra Costa County | 94 | 69 | 1 | 1.1% |
| San Diego County | 77 | 59 | 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: 2,069 applications in 2025, of which 1,623 were originated and 17 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans General Mortgage Capital originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are General Mortgage 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