Georgia'S Own in California vs the state
30.7%Denial rate+13.23 pts vs state
35.2%Decision denial rate+12.79 pts vs state
51.6%Origination rate-4.59 pts vs state
8.25%Median rate+1.63 pts vs state
0.93Rate spread (pts)+0.66 pts vs state
$262kMedian applicant income
32Loans originated
19Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 528 | 355 | 24.6% | 9.99% | #216 |
| 2024 | 625 | 398 | 21.4% | 9.75% | #219 |
| 2025 | 62 | 32 | 30.7% | 8.25% | #500 |
What Georgia'S Own lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 22 | 9 | 7 | 31.8% |
| Santa Clara County | 4 | 2 | 1 | 25.0% |
| Orange County | 4 | 3 | 1 | 25.0% |
| San Diego County | 4 | 3 | 1 | 25.0% |
| Riverside County | 3 | 3 | 0 | 0.0% |
| San Francisco County | 3 | 2 | 0 | 0.0% |
| Sacramento County | 2 | 0 | 1 | 50.0% |
| San Mateo County | 2 | 2 | 0 | 0.0% |
| Yolo County | 2 | 2 | 0 | 0.0% |
| Marin County | 2 | 0 | 2 | 100.0% |
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: 62 applications in 2025, of which 32 were originated and 19 denied.
30.7% of all applications, or 35.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Georgia'S Own originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Georgia'S Own'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