Homebridge Financial Services in California vs the state
14.6%Denial rate-2.86 pts vs state
16.7%Decision denial rate-5.72 pts vs state
71.0%Origination rate+14.78 pts vs state
10.04%Median rate+3.41 pts vs state
0.15Rate spread (pts)-0.12 pts vs state
$156kMedian applicant income
3,155Loans originated
647Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,316 | 3,574 | 29.8% | 10.49% | #21 |
| 2024 | 4,498 | 2,544 | 25.2% | 10.97% | #40 |
| 2025 | 4,445 | 3,155 | 14.6% | 10.04% | #48 |
What Homebridge Financial Services lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Homebridge Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,216 | 840 | 177 | 14.6% |
| San Diego County | 567 | 407 | 90 | 15.9% |
| Riverside County | 425 | 310 | 67 | 15.8% |
| San Bernardino County | 384 | 265 | 60 | 15.6% |
| Orange County | 281 | 210 | 29 | 10.3% |
| Sacramento County | 209 | 146 | 35 | 16.7% |
| Fresno County | 141 | 99 | 26 | 18.4% |
| Kern County | 114 | 82 | 17 | 14.9% |
| Contra Costa County | 99 | 76 | 9 | 9.1% |
| San Joaquin County | 89 | 68 | 10 | 11.2% |
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: 4,445 applications in 2025, of which 3,155 were originated and 647 denied.
14.6% of all applications, or 16.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Homebridge Financial Services originated in California in 2025 was 10.04%, against a statewide median of 6.63%.
About this data. Figures are Homebridge Financial Services'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