Leaderone Financial in California vs the state
6.1%Denial rate-11.31 pts vs state
7.7%Decision denial rate-14.73 pts vs state
73.2%Origination rate+16.95 pts vs state
6.38%Median rate-0.25 pts vs state
0.28Rate spread (pts)0.00 pts vs state
$123kMedian applicant income
395Loans originated
33Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 215 | 116 | 11.6% | 6.88% | #332 |
| 2024 | 378 | 260 | 3.2% | 6.63% | #278 |
| 2025 | 540 | 395 | 6.1% | 6.38% | #252 |
What Leaderone Financial lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Leaderone Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Merced County | 257 | 214 | 13 | 5.1% |
| Santa Barbara County | 57 | 22 | 7 | 12.3% |
| Stanislaus County | 28 | 24 | 0 | 0.0% |
| Madera County | 24 | 15 | 1 | 4.2% |
| Mariposa County | 15 | 8 | 1 | 6.7% |
| Fresno County | 15 | 11 | 1 | 6.7% |
| Orange County | 14 | 12 | 0 | 0.0% |
| Los Angeles County | 14 | 13 | 1 | 7.1% |
| Riverside County | 12 | 9 | 0 | 0.0% |
| Sacramento County | 11 | 7 | 1 | 9.1% |
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: 540 applications in 2025, of which 395 were originated and 33 denied.
6.1% of all applications, or 7.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Leaderone Financial originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Leaderone Financial'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