Hometown Equity Mortgage in California vs the state
47.9%Denial rate+30.47 pts vs state
50.0%Decision denial rate+27.55 pts vs state
47.4%Origination rate-8.78 pts vs state
7.25%Median rate+0.63 pts vs state
0.98Rate spread (pts)+0.71 pts vs state
$212kMedian applicant income
1,424Loans originated
1,438Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,060 | 784 | 36.3% | 8.00% | #78 |
| 2024 | 2,262 | 1,101 | 46.6% | 7.50% | #75 |
| 2025 | 3,003 | 1,424 | 47.9% | 7.25% | #68 |
What Hometown Equity Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,024 | 500 | 482 | 47.1% |
| Riverside County | 341 | 164 | 149 | 43.7% |
| San Diego County | 279 | 125 | 136 | 48.7% |
| San Bernardino County | 278 | 144 | 120 | 43.2% |
| Orange County | 278 | 127 | 140 | 50.4% |
| Kern County | 89 | 51 | 38 | 42.7% |
| Sacramento County | 87 | 48 | 32 | 36.8% |
| Ventura County | 70 | 39 | 30 | 42.9% |
| Alameda County | 56 | 25 | 30 | 53.6% |
| Contra Costa County | 55 | 22 | 31 | 56.4% |
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: 3,003 applications in 2025, of which 1,424 were originated and 1,438 denied.
47.9% of all applications, or 50.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Hometown Equity Mortgage originated in California in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity 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