Homeamerican Mortgage in California vs the state
5.8%Denial rate-11.58 pts vs state
6.6%Decision denial rate-15.82 pts vs state
82.9%Origination rate+26.65 pts vs state
4.88%Median rate-1.75 pts vs state
-1.43Rate spread (pts)-1.70 pts vs state
$154kMedian applicant income
865Loans originated
61Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,559 | 991 | 14.8% | 5.75% | #98 |
| 2024 | 1,850 | 1,447 | 7.8% | 5.63% | #92 |
| 2025 | 1,044 | 865 | 5.8% | 4.88% | #168 |
What Homeamerican Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Homeamerican Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 265 | 210 | 21 | 7.9% |
| San Bernardino County | 196 | 158 | 19 | 9.7% |
| San Joaquin County | 182 | 156 | 6 | 3.3% |
| Placer County | 148 | 134 | 3 | 2.0% |
| Sacramento County | 89 | 73 | 4 | 4.5% |
| Yuba County | 82 | 66 | 4 | 4.9% |
| Ventura County | 50 | 42 | 4 | 8.0% |
| Solano County | 20 | 17 | 0 | 0.0% |
| Los Angeles County | 8 | 7 | 0 | 0.0% |
| Nevada County | 4 | 2 | 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: 1,044 applications in 2025, of which 865 were originated and 61 denied.
5.8% of all applications, or 6.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Homeamerican Mortgage originated in California in 2025 was 4.88%, against a statewide median of 6.63%.
About this data. Figures are Homeamerican Mortgage'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