GoodLeap in California vs the state
20.6%Denial rate+3.17 pts vs state
24.0%Decision denial rate+1.57 pts vs state
48.4%Origination rate-7.77 pts vs state
7.65%Median rate+1.03 pts vs state
0.01Rate spread (pts)-0.26 pts vs state
$100kMedian applicant income
1,030Loans originated
438Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 898 | 363 | 24.3% | 5.99% | #144 |
| 2024 | 1,396 | 683 | 19.2% | 6.25% | #123 |
| 2025 | 2,127 | 1,030 | 20.6% | 7.65% | #101 |
What GoodLeap lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most GoodLeap applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 413 | 186 | 92 | 22.3% |
| San Bernardino County | 297 | 134 | 60 | 20.2% |
| Riverside County | 283 | 135 | 69 | 24.4% |
| Sacramento County | 160 | 82 | 33 | 20.6% |
| San Diego County | 128 | 73 | 15 | 11.7% |
| Fresno County | 120 | 69 | 19 | 15.8% |
| Kern County | 114 | 59 | 19 | 16.7% |
| Orange County | 86 | 47 | 19 | 22.1% |
| Tulare County | 52 | 26 | 12 | 23.1% |
| Contra Costa County | 40 | 19 | 4 | 10.0% |
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: 2,127 applications in 2025, of which 1,030 were originated and 438 denied.
20.6% of all applications, or 24.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans GoodLeap originated in California in 2025 was 7.65%, against a statewide median of 6.63%.
About this data. Figures are GoodLeap'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