LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in California vs the state
9.8%Denial rate-7.61 pts vs state
15.8%Decision denial rate-6.62 pts vs state
44.6%Origination rate-11.56 pts vs state
6.00%Median rate-0.63 pts vs state
-0.26Rate spread (pts)-0.53 pts vs state
$214kMedian applicant income
537Loans originated
118Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 70 | 6.8% | 7.00% | #346 |
| 2024 | 334 | 132 | 8.4% | 6.37% | #290 |
| 2025 | 1,203 | 537 | 9.8% | 6.00% | #152 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 204 | 81 | 17 | 8.3% |
| San Diego County | 121 | 59 | 7 | 5.8% |
| Orange County | 108 | 52 | 8 | 7.4% |
| Alameda County | 100 | 55 | 5 | 5.0% |
| Sacramento County | 86 | 32 | 9 | 10.5% |
| Santa Clara County | 67 | 37 | 7 | 10.4% |
| Riverside County | 64 | 29 | 13 | 20.3% |
| San Bernardino County | 47 | 21 | 8 | 17.0% |
| Contra Costa County | 44 | 20 | 2 | 4.5% |
| San Francisco County | 38 | 18 | 3 | 7.9% |
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: 1,203 applications in 2025, of which 537 were originated and 118 denied.
9.8% of all applications, or 15.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in California in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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