Homexpress Mortgage in California vs the state
40.7%Denial rate+23.32 pts vs state
41.1%Decision denial rate+18.69 pts vs state
57.7%Origination rate+1.46 pts vs state
7.25%Median rate+0.63 pts vs state
0.90Rate spread (pts)+0.63 pts vs state
$287kMedian applicant income
1,332Loans originated
941Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,235 | 681 | 42.8% | 8.38% | #118 |
| 2024 | 1,743 | 971 | 42.1% | 7.88% | #97 |
| 2025 | 2,310 | 1,332 | 40.7% | 7.25% | #90 |
What Homexpress Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 504 | 290 | 204 | 40.5% |
| Riverside County | 219 | 108 | 106 | 48.4% |
| Orange County | 197 | 113 | 80 | 40.6% |
| San Diego County | 197 | 127 | 66 | 33.5% |
| San Bernardino County | 142 | 80 | 60 | 42.3% |
| Sacramento County | 139 | 77 | 62 | 44.6% |
| Sonoma County | 88 | 55 | 33 | 37.5% |
| Fresno County | 72 | 48 | 24 | 33.3% |
| Contra Costa County | 71 | 38 | 32 | 45.1% |
| Kern County | 56 | 25 | 31 | 55.4% |
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: 2,310 applications in 2025, of which 1,332 were originated and 941 denied.
40.7% of all applications, or 41.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Homexpress Mortgage originated in California in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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