Loanleaders of America in California vs the state
3.9%Denial rate-13.57 pts vs state
5.0%Decision denial rate-17.40 pts vs state
73.1%Origination rate+16.88 pts vs state
6.25%Median rate-0.38 pts vs state
0.20Rate spread (pts)-0.08 pts vs state
$140kMedian applicant income
19Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 27 | 6.1% | 6.00% | #594 |
| 2024 | 31 | 25 | 3.2% | 6.50% | #591 |
| 2025 | 26 | 19 | 3.9% | 6.25% | #611 |
What Loanleaders of America lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Loanleaders of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 7 | 6 | 0 | 0.0% |
| Riverside County | 5 | 4 | 0 | 0.0% |
| San Bernardino County | 3 | 2 | 0 | 0.0% |
| San Diego County | 2 | 1 | 0 | 0.0% |
| Kern County | 2 | 2 | 0 | 0.0% |
| Contra Costa County | 1 | 1 | 0 | 0.0% |
| Santa Clara County | 1 | 1 | 0 | 0.0% |
| El Dorado County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Ventura County | 1 | 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: 26 applications in 2025, of which 19 were originated and 1 denied.
3.9% of all applications, or 5.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Loanleaders of America originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Loanleaders of America'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