Liberty in California vs the state
4.6%Denial rate-12.80 pts vs state
7.0%Decision denial rate-15.42 pts vs state
60.0%Origination rate+3.80 pts vs state
6.25%Median rate-0.38 pts vs state
0.15Rate spread (pts)-0.13 pts vs state
$349kMedian applicant income
39Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 13 | 3.6% | 7.50% | #615 |
| 2024 | 32 | 18 | 12.5% | 7.44% | #584 |
| 2025 | 65 | 39 | 4.6% | 6.25% | #496 |
What Liberty lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 14 | 8 | 1 | 7.1% |
| San Diego County | 9 | 9 | 0 | 0.0% |
| Orange County | 9 | 5 | 0 | 0.0% |
| San Bernardino County | 6 | 4 | 0 | 0.0% |
| San Mateo County | 2 | 1 | 1 | 50.0% |
| Placer County | 2 | 0 | 0 | 0.0% |
| Alameda County | 2 | 1 | 1 | 50.0% |
| Contra Costa County | 2 | 1 | 0 | 0.0% |
| Kings County | 1 | 1 | 0 | 0.0% |
| Solano County | 1 | 1 | 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: 65 applications in 2025, of which 39 were originated and 3 denied.
4.6% of all applications, or 7.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Liberty originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Liberty'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