Guaranteed Rate in California vs the state
5.4%Denial rate-12.03 pts vs state
9.2%Decision denial rate-13.24 pts vs state
51.1%Origination rate-5.13 pts vs state
6.53%Median rate-0.10 pts vs state
0.17Rate spread (pts)-0.10 pts vs state
$181kMedian applicant income
6,248Loans originated
659Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,941 | 3,507 | 3.0% | 6.58% | #20 |
| 2024 | 9,122 | 5,392 | 7.4% | 6.63% | #24 |
| 2025 | 12,235 | 6,248 | 5.4% | 6.53% | #17 |
What Guaranteed Rate lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,947 | 883 | 132 | 6.8% |
| San Diego County | 1,047 | 533 | 51 | 4.9% |
| Riverside County | 939 | 463 | 63 | 6.7% |
| San Bernardino County | 792 | 402 | 44 | 5.6% |
| Orange County | 741 | 359 | 44 | 5.9% |
| San Luis Obispo County | 671 | 435 | 12 | 1.8% |
| Alameda County | 518 | 232 | 19 | 3.7% |
| Contra Costa County | 473 | 242 | 16 | 3.4% |
| Santa Clara County | 441 | 206 | 26 | 5.9% |
| Santa Barbara County | 422 | 250 | 20 | 4.7% |
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: 12,235 applications in 2025, of which 6,248 were originated and 659 denied.
5.4% of all applications, or 9.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Guaranteed Rate originated in California in 2025 was 6.53%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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