Home Loan Investment Bank in California vs the state
34.6%Denial rate+17.20 pts vs state
56.3%Decision denial rate+33.85 pts vs state
26.9%Origination rate-29.28 pts vs state
8.25%Median rate+1.63 pts vs state
4.24Rate spread (pts)+3.97 pts vs state
$144kMedian applicant income
7Loans originated
9Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 11 | 56.3% | 8.25% | #471 |
| 2024 | 102 | 20 | 56.9% | 6.99% | #439 |
| 2025 | 26 | 7 | 34.6% | 8.25% | #609 |
What Home Loan Investment Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 13 | 2 | 8 | 61.5% |
| San Bernardino County | 4 | 1 | 0 | 0.0% |
| Riverside County | 4 | 2 | 1 | 25.0% |
| San Diego County | 3 | 2 | 0 | 0.0% |
| Kings County | 2 | 0 | 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: 26 applications in 2025, of which 7 were originated and 9 denied.
34.6% of all applications, or 56.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Home Loan Investment Bank originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Home Loan Investment Bank'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