Ice Lender Holdings in California vs the state
24.2%Denial rate+6.80 pts vs state
57.4%Decision denial rate+35.01 pts vs state
18.0%Origination rate-38.23 pts vs state
7.63%Median rate+1.00 pts vs state
—Rate spread (pts)
—Median applicant income
23Loans originated
31Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 8 | 31.5% | 8.87% | #486 |
| 2024 | 97 | 24 | 35.1% | 7.19% | #446 |
| 2025 | 128 | 23 | 24.2% | 7.63% | #406 |
What Ice Lender Holdings lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ice Lender Holdings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 49 | 8 | 15 | 30.6% |
| San Diego County | 19 | 0 | 9 | 47.4% |
| San Francisco County | 7 | 0 | 0 | 0.0% |
| Riverside County | 7 | 2 | 1 | 14.3% |
| San Bernardino County | 5 | 0 | 1 | 20.0% |
| Fresno County | 4 | 2 | 0 | 0.0% |
| San Mateo County | 4 | 0 | 1 | 25.0% |
| Merced County | 4 | 1 | 0 | 0.0% |
| Sacramento County | 4 | 1 | 1 | 25.0% |
| San Joaquin County | 4 | 3 | 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: 128 applications in 2025, of which 23 were originated and 31 denied.
24.2% of all applications, or 57.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Ice Lender Holdings originated in California in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Ice Lender Holdings'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