Iserve Residential Lending in California vs the state
2.0%Denial rate-15.38 pts vs state
2.5%Decision denial rate-19.90 pts vs state
73.5%Origination rate+17.27 pts vs state
6.75%Median rate+0.13 pts vs state
0.44Rate spread (pts)+0.17 pts vs state
$181kMedian applicant income
36Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 36 | 3.5% | 7.13% | #522 |
| 2024 | 69 | 45 | 11.6% | 7.13% | #490 |
| 2025 | 49 | 36 | 2.0% | 6.75% | #524 |
What Iserve Residential Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Iserve Residential Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 34 | 27 | 1 | 2.9% |
| Riverside County | 6 | 3 | 0 | 0.0% |
| Sacramento County | 2 | 0 | 0 | 0.0% |
| Alameda County | 2 | 1 | 0 | 0.0% |
| El Dorado County | 1 | 1 | 0 | 0.0% |
| Plumas County | 1 | 1 | 0 | 0.0% |
| Solano County | 1 | 1 | 0 | 0.0% |
| Placer County | 1 | 1 | 0 | 0.0% |
| Contra Costa County | 1 | 1 | 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: 49 applications in 2025, of which 36 were originated and 1 denied.
2.0% of all applications, or 2.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Iserve Residential Lending originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Iserve Residential Lending'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