Hightechlending in California vs the state
3.4%Denial rate-14.00 pts vs state
3.9%Decision denial rate-18.49 pts vs state
72.5%Origination rate+16.27 pts vs state
6.50%Median rate-0.13 pts vs state
0.38Rate spread (pts)+0.11 pts vs state
$42kMedian applicant income
466Loans originated
22Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 532 | 355 | 5.1% | 7.38% | #215 |
| 2024 | 643 | 446 | 3.4% | 7.13% | #213 |
| 2025 | 643 | 466 | 3.4% | 6.50% | #221 |
What Hightechlending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Hightechlending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 197 | 137 | 9 | 4.6% |
| Orange County | 71 | 55 | 4 | 5.6% |
| Riverside County | 51 | 38 | 1 | 2.0% |
| San Diego County | 46 | 31 | 1 | 2.2% |
| San Bernardino County | 35 | 29 | 0 | 0.0% |
| Sacramento County | 28 | 22 | 0 | 0.0% |
| Santa Clara County | 26 | 22 | 2 | 7.7% |
| Placer County | 21 | 13 | 0 | 0.0% |
| Alameda County | 19 | 15 | 1 | 5.3% |
| Ventura County | 15 | 12 | 1 | 6.7% |
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: 643 applications in 2025, of which 466 were originated and 22 denied.
3.4% of all applications, or 3.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Hightechlending originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Hightechlending'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