Homeowners Financial Group USA in California vs the state
2.6%Denial rate-14.84 pts vs state
3.6%Decision denial rate-18.81 pts vs state
68.8%Origination rate+12.59 pts vs state
6.25%Median rate-0.38 pts vs state
0.12Rate spread (pts)-0.15 pts vs state
$149kMedian applicant income
454Loans originated
17Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 617 | 438 | 2.6% | 6.50% | #193 |
| 2024 | 744 | 543 | 3.2% | 6.63% | #195 |
| 2025 | 660 | 454 | 2.6% | 6.25% | #216 |
What Homeowners Financial Group USA lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Homeowners Financial Group USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Joaquin County | 99 | 75 | 2 | 2.0% |
| Contra Costa County | 81 | 51 | 5 | 6.2% |
| San Diego County | 80 | 50 | 1 | 1.3% |
| Riverside County | 53 | 38 | 1 | 1.9% |
| San Bernardino County | 44 | 36 | 0 | 0.0% |
| Solano County | 41 | 32 | 1 | 2.4% |
| Lake County | 34 | 23 | 0 | 0.0% |
| Sacramento County | 28 | 23 | 0 | 0.0% |
| Stanislaus County | 27 | 19 | 0 | 0.0% |
| Los Angeles County | 26 | 11 | 2 | 7.7% |
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: 660 applications in 2025, of which 454 were originated and 17 denied.
2.6% of all applications, or 3.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Homeowners Financial Group USA originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Homeowners Financial Group USA'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