Kinecta in California vs the state
9.1%Denial rate-8.28 pts vs state
11.1%Decision denial rate-11.26 pts vs state
72.3%Origination rate+16.14 pts vs state
6.74%Median rate+0.12 pts vs state
0.72Rate spread (pts)+0.44 pts vs state
$162kMedian applicant income
1,195Loans originated
151Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,929 | 1,372 | 12.5% | 8.00% | #81 |
| 2024 | 1,751 | 1,296 | 11.3% | 6.99% | #96 |
| 2025 | 1,652 | 1,195 | 9.1% | 6.74% | #122 |
What Kinecta lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Kinecta applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 957 | 689 | 94 | 9.8% |
| Orange County | 241 | 188 | 18 | 7.5% |
| Riverside County | 93 | 61 | 11 | 11.8% |
| Ventura County | 61 | 47 | 3 | 4.9% |
| San Bernardino County | 61 | 41 | 3 | 4.9% |
| San Diego County | 51 | 39 | 7 | 13.7% |
| Santa Barbara County | 46 | 32 | 3 | 6.5% |
| Santa Clara County | 22 | 14 | 6 | 27.3% |
| San Mateo County | 14 | 12 | 1 | 7.1% |
| San Luis Obispo County | 12 | 11 | 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: 1,652 applications in 2025, of which 1,195 were originated and 151 denied.
9.1% of all applications, or 11.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Kinecta originated in California in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are Kinecta'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