Home Mortgage Alliance Corporation (HMAC) in California vs the state
21.4%Denial rate+4.00 pts vs state
28.8%Decision denial rate+6.40 pts vs state
50.5%Origination rate-5.68 pts vs state
7.63%Median rate+1.00 pts vs state
1.62Rate spread (pts)+1.35 pts vs state
$193kMedian applicant income
920Loans originated
390Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,353 | 681 | 11.7% | 8.00% | #111 |
| 2024 | 1,660 | 882 | 4.3% | 7.88% | #104 |
| 2025 | 1,821 | 920 | 21.4% | 7.63% | #111 |
What Home Mortgage Alliance Corporation (HMAC) lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 637 | 325 | 141 | 22.1% |
| San Diego County | 238 | 108 | 49 | 20.6% |
| Riverside County | 207 | 99 | 50 | 24.2% |
| Orange County | 183 | 99 | 34 | 18.6% |
| San Bernardino County | 153 | 87 | 26 | 17.0% |
| Kern County | 42 | 22 | 8 | 19.0% |
| Monterey County | 35 | 23 | 7 | 20.0% |
| Shasta County | 30 | 18 | 5 | 16.7% |
| Alameda County | 29 | 9 | 13 | 44.8% |
| Santa Clara County | 28 | 16 | 6 | 21.4% |
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: 1,821 applications in 2025, of which 920 were originated and 390 denied.
21.4% of all applications, or 28.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in California in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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