Genesis Capital in California vs the state
1.3%Denial rate-16.16 pts vs state
1.3%Decision denial rate-21.14 pts vs state
98.6%Origination rate+42.39 pts vs state
8.75%Median rate+2.13 pts vs state
—Rate spread (pts)
—Median applicant income
628Loans originated
8Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 409 | 398 | 2.7% | 9.50% | #253 |
| 2024 | 577 | 559 | 3.1% | 9.50% | #226 |
| 2025 | 637 | 628 | 1.3% | 8.75% | #222 |
What Genesis Capital lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Genesis Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 326 | 320 | 5 | 1.5% |
| San Diego County | 75 | 74 | 1 | 1.3% |
| Orange County | 57 | 57 | 0 | 0.0% |
| Santa Clara County | 40 | 40 | 0 | 0.0% |
| Riverside County | 38 | 38 | 0 | 0.0% |
| San Bernardino County | 33 | 33 | 0 | 0.0% |
| San Mateo County | 13 | 13 | 0 | 0.0% |
| Contra Costa County | 9 | 9 | 0 | 0.0% |
| San Francisco County | 8 | 8 | 0 | 0.0% |
| San Luis Obispo County | 6 | 6 | 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: 637 applications in 2025, of which 628 were originated and 8 denied.
1.3% of all applications, or 1.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Genesis Capital originated in California in 2025 was 8.75%, against a statewide median of 6.63%.
About this data. Figures are Genesis 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