Intelliloan in California vs the state
9.1%Denial rate-8.36 pts vs state
19.3%Decision denial rate-3.15 pts vs state
32.9%Origination rate-23.33 pts vs state
6.13%Median rate-0.50 pts vs state
0.14Rate spread (pts)-0.14 pts vs state
$139kMedian applicant income
167Loans originated
46Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 696 | 246 | 10.8% | 10.00% | #172 |
| 2024 | 465 | 209 | 6.2% | 6.25% | #255 |
| 2025 | 508 | 167 | 9.1% | 6.13% | #260 |
What Intelliloan lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Intelliloan applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 105 | 38 | 10 | 9.5% |
| Riverside County | 65 | 17 | 6 | 9.2% |
| San Bernardino County | 61 | 23 | 5 | 8.2% |
| Sacramento County | 31 | 10 | 1 | 3.2% |
| Orange County | 30 | 9 | 5 | 16.7% |
| Kern County | 30 | 6 | 3 | 10.0% |
| San Diego County | 21 | 7 | 2 | 9.5% |
| Stanislaus County | 19 | 5 | 3 | 15.8% |
| San Joaquin County | 18 | 4 | 2 | 11.1% |
| Solano County | 17 | 5 | 1 | 5.9% |
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: 508 applications in 2025, of which 167 were originated and 46 denied.
9.1% of all applications, or 19.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Intelliloan originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Intelliloan'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