Lima One Capital in California vs the state
51.4%Denial rate+34.01 pts vs state
69.2%Decision denial rate+46.83 pts vs state
22.9%Origination rate-33.34 pts vs state
9.00%Median rate+2.38 pts vs state
—Rate spread (pts)
—Median applicant income
24Loans originated
54Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 69 | 0.0% | 10.70% | #498 |
| 2024 | 151 | 58 | 35.1% | 10.38% | #379 |
| 2025 | 105 | 24 | 51.4% | 9.00% | #436 |
What Lima One Capital lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 38 | 5 | 23 | 60.5% |
| San Diego County | 12 | 6 | 2 | 16.7% |
| San Bernardino County | 8 | 1 | 5 | 62.5% |
| Orange County | 7 | 3 | 2 | 28.6% |
| Riverside County | 5 | 1 | 4 | 80.0% |
| Stanislaus County | 4 | 0 | 2 | 50.0% |
| Sacramento County | 4 | 2 | 1 | 25.0% |
| Santa Clara County | 3 | 0 | 2 | 66.7% |
| Marin County | 3 | 0 | 3 | 100.0% |
| Contra Costa County | 3 | 1 | 2 | 66.7% |
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: 105 applications in 2025, of which 24 were originated and 54 denied.
51.4% of all applications, or 69.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Lima One Capital originated in California in 2025 was 9.00%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital'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