Land Home Financial Services in California vs the state
3.9%Denial rate-13.51 pts vs state
4.8%Decision denial rate-17.59 pts vs state
67.2%Origination rate+10.98 pts vs state
6.75%Median rate+0.13 pts vs state
0.56Rate spread (pts)+0.29 pts vs state
$129kMedian applicant income
395Loans originated
23Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 521 | 326 | 2.7% | 7.00% | #218 |
| 2024 | 640 | 433 | 5.6% | 7.00% | #214 |
| 2025 | 588 | 395 | 3.9% | 6.75% | #238 |
What Land Home Financial Services lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Land Home Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 84 | 57 | 1 | 1.2% |
| Siskiyou County | 68 | 57 | 1 | 1.5% |
| Contra Costa County | 38 | 31 | 1 | 2.6% |
| San Joaquin County | 33 | 25 | 0 | 0.0% |
| Santa Clara County | 32 | 17 | 3 | 9.4% |
| Merced County | 30 | 17 | 1 | 3.3% |
| Stanislaus County | 26 | 18 | 3 | 11.5% |
| Solano County | 24 | 14 | 2 | 8.3% |
| Alameda County | 23 | 19 | 1 | 4.3% |
| Riverside County | 23 | 15 | 1 | 4.3% |
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: 588 applications in 2025, of which 395 were originated and 23 denied.
3.9% of all applications, or 4.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Land Home Financial Services originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Land Home Financial Services'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