K. Hovnanian American Mortgage in California vs the state
9.9%Denial rate-7.55 pts vs state
11.5%Decision denial rate-10.92 pts vs state
76.1%Origination rate+19.85 pts vs state
4.99%Median rate-1.63 pts vs state
-1.11Rate spread (pts)-1.39 pts vs state
$139kMedian applicant income
686Loans originated
89Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 748 | 534 | 7.8% | 5.50% | #165 |
| 2024 | 778 | 599 | 9.5% | 5.75% | #188 |
| 2025 | 902 | 686 | 9.9% | 4.99% | #187 |
What K. Hovnanian American Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most K. Hovnanian American Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 217 | 175 | 14 | 6.5% |
| Kern County | 178 | 130 | 20 | 11.2% |
| San Joaquin County | 122 | 94 | 9 | 7.4% |
| Los Angeles County | 79 | 55 | 14 | 17.7% |
| Solano County | 66 | 51 | 4 | 6.1% |
| Fresno County | 54 | 39 | 5 | 9.3% |
| San Bernardino County | 54 | 43 | 3 | 5.6% |
| Yuba County | 42 | 33 | 6 | 14.3% |
| Riverside County | 39 | 29 | 6 | 15.4% |
| Sutter County | 29 | 21 | 4 | 13.8% |
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: 902 applications in 2025, of which 686 were originated and 89 denied.
9.9% of all applications, or 11.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans K. Hovnanian American Mortgage originated in California in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are K. Hovnanian American 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