Greenbox Loans in California vs the state
3.7%Denial rate-13.68 pts vs state
4.9%Decision denial rate-17.48 pts vs state
69.2%Origination rate+13.02 pts vs state
8.13%Median rate+1.50 pts vs state
2.09Rate spread (pts)+1.82 pts vs state
$310kMedian applicant income
407Loans originated
22Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 611 | 236 | 7.5% | 9.38% | #194 |
| 2024 | 502 | 343 | 7.2% | 9.00% | #243 |
| 2025 | 588 | 407 | 3.7% | 8.13% | #240 |
What Greenbox Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Greenbox Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 211 | 145 | 11 | 5.2% |
| Orange County | 41 | 32 | 1 | 2.4% |
| San Bernardino County | 36 | 23 | 2 | 5.6% |
| San Diego County | 35 | 25 | 2 | 5.7% |
| Riverside County | 33 | 24 | 1 | 3.0% |
| Santa Barbara County | 22 | 19 | 0 | 0.0% |
| Fresno County | 20 | 13 | 0 | 0.0% |
| Santa Clara County | 19 | 10 | 0 | 0.0% |
| Ventura County | 17 | 10 | 1 | 5.9% |
| Stanislaus County | 16 | 11 | 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: 588 applications in 2025, of which 407 were originated and 22 denied.
3.7% of all applications, or 4.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Greenbox Loans originated in California in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Greenbox Loans'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