Go Mortgage in California vs the state
4.4%Denial rate-12.98 pts vs state
4.8%Decision denial rate-17.56 pts vs state
72.6%Origination rate+16.39 pts vs state
6.50%Median rate-0.13 pts vs state
0.31Rate spread (pts)+0.04 pts vs state
$138kMedian applicant income
98Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 30 | 4.6% | 6.13% | #506 |
| 2024 | 14 | 4 | 0.0% | 6.75% | #673 |
| 2025 | 135 | 98 | 4.4% | 6.50% | #404 |
What Go Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Go Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 41 | 33 | 0 | 0.0% |
| San Joaquin County | 24 | 18 | 0 | 0.0% |
| Placer County | 15 | 8 | 2 | 13.3% |
| El Dorado County | 9 | 8 | 0 | 0.0% |
| Solano County | 7 | 6 | 0 | 0.0% |
| Plumas County | 5 | 4 | 0 | 0.0% |
| Riverside County | 4 | 3 | 1 | 25.0% |
| Orange County | 3 | 0 | 0 | 0.0% |
| Sutter County | 3 | 1 | 0 | 0.0% |
| Los Angeles County | 3 | 2 | 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: 135 applications in 2025, of which 98 were originated and 6 denied.
4.4% of all applications, or 4.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Go Mortgage originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Go 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