Jmac Lending in California vs the state
3.8%Denial rate-13.61 pts vs state
5.5%Decision denial rate-16.94 pts vs state
66.0%Origination rate+9.77 pts vs state
6.63%Median rate0.00 pts vs state
0.36Rate spread (pts)+0.08 pts vs state
$163kMedian applicant income
1,541Loans originated
89Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 854 | 523 | 6.9% | 6.88% | #151 |
| 2024 | 1,534 | 955 | 5.9% | 6.88% | #114 |
| 2025 | 2,336 | 1,541 | 3.8% | 6.63% | #87 |
What Jmac Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 457 | 265 | 22 | 4.8% |
| San Bernardino County | 241 | 157 | 7 | 2.9% |
| Riverside County | 236 | 150 | 8 | 3.4% |
| Orange County | 191 | 124 | 3 | 1.6% |
| San Diego County | 185 | 120 | 10 | 5.4% |
| Sacramento County | 103 | 75 | 3 | 2.9% |
| Kern County | 103 | 73 | 3 | 2.9% |
| Fresno County | 95 | 66 | 2 | 2.1% |
| San Joaquin County | 88 | 64 | 5 | 5.7% |
| Stanislaus County | 65 | 43 | 3 | 4.6% |
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: 2,336 applications in 2025, of which 1,541 were originated and 89 denied.
3.8% of all applications, or 5.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Jmac Lending originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Jmac 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