Lendage in California vs the state
13.0%Denial rate-4.38 pts vs state
14.8%Decision denial rate-7.57 pts vs state
68.5%Origination rate+12.25 pts vs state
10.75%Median rate+4.13 pts vs state
4.55Rate spread (pts)+4.28 pts vs state
$138kMedian applicant income
1,076Loans originated
205Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 802 | 504 | 18.0% | 13.75% | #155 |
| 2024 | 1,201 | 812 | 17.2% | 12.75% | #139 |
| 2025 | 1,572 | 1,076 | 13.0% | 10.75% | #127 |
What Lendage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Lendage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 245 | 153 | 37 | 15.1% |
| Riverside County | 183 | 140 | 13 | 7.1% |
| San Bernardino County | 133 | 94 | 16 | 12.0% |
| Sacramento County | 112 | 79 | 9 | 8.0% |
| San Diego County | 110 | 73 | 16 | 14.5% |
| Fresno County | 84 | 62 | 6 | 7.1% |
| Orange County | 68 | 43 | 12 | 17.6% |
| Kern County | 58 | 40 | 9 | 15.5% |
| Contra Costa County | 55 | 43 | 6 | 10.9% |
| San Joaquin County | 52 | 35 | 6 | 11.5% |
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: 1,572 applications in 2025, of which 1,076 were originated and 205 denied.
13.0% of all applications, or 14.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Lendage originated in California in 2025 was 10.75%, against a statewide median of 6.63%.
About this data. Figures are Lendage'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