Kind Lending in California vs the state
24.5%Denial rate+7.08 pts vs state
26.9%Decision denial rate+4.52 pts vs state
65.3%Origination rate+9.08 pts vs state
6.50%Median rate-0.13 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$141kMedian applicant income
6,409Loans originated
2,405Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,050 | 2,590 | 24.6% | 6.63% | #42 |
| 2024 | 7,590 | 4,887 | 24.6% | 6.63% | #27 |
| 2025 | 9,817 | 6,409 | 24.5% | 6.50% | #23 |
What Kind Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,098 | 599 | 377 | 34.3% |
| Fresno County | 1,039 | 753 | 185 | 17.8% |
| Sacramento County | 746 | 493 | 163 | 21.8% |
| Riverside County | 680 | 410 | 217 | 31.9% |
| Kern County | 660 | 464 | 119 | 18.0% |
| San Diego County | 654 | 424 | 172 | 26.3% |
| San Bernardino County | 479 | 283 | 138 | 28.8% |
| Orange County | 453 | 285 | 114 | 25.2% |
| Madera County | 374 | 249 | 81 | 21.7% |
| Stanislaus County | 301 | 205 | 70 | 23.3% |
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: 9,817 applications in 2025, of which 6,409 were originated and 2,405 denied.
24.5% of all applications, or 26.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Kind Lending originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Kind 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