Lendingone in California vs the state
5.8%Denial rate-11.66 pts vs state
68.3%Decision denial rate+45.92 pts vs state
2.7%Origination rate-53.53 pts vs state
9.24%Median rate+2.62 pts vs state
—Rate spread (pts)
—Median applicant income
32Loans originated
69Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 232 | 17 | 72.0% | 8.10% | #324 |
| 2024 | 178 | 30 | 72.5% | 9.50% | #363 |
| 2025 | 1,197 | 32 | 5.8% | 9.24% | #154 |
What Lendingone lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 311 | 5 | 23 | 7.4% |
| San Diego County | 100 | 2 | 1 | 1.0% |
| Riverside County | 91 | 2 | 4 | 4.4% |
| San Bernardino County | 81 | 4 | 7 | 8.6% |
| Orange County | 77 | 2 | 7 | 9.1% |
| Alameda County | 61 | 0 | 4 | 6.6% |
| Sacramento County | 61 | 1 | 2 | 3.3% |
| Contra Costa County | 37 | 0 | 3 | 8.1% |
| Santa Clara County | 36 | 1 | 0 | 0.0% |
| San Francisco County | 33 | 0 | 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: 1,197 applications in 2025, of which 32 were originated and 69 denied.
5.8% of all applications, or 68.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Lendingone originated in California in 2025 was 9.24%, against a statewide median of 6.63%.
About this data. Figures are Lendingone'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