Loansteady in California vs the state
15.0%Denial rate-2.42 pts vs state
21.4%Decision denial rate-0.97 pts vs state
55.0%Origination rate-1.20 pts vs state
6.38%Median rate-0.25 pts vs state
-0.20Rate spread (pts)-0.47 pts vs state
$280kMedian applicant income
11Loans originated
3Denied
What Loansteady lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Loansteady applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 4 | 1 | 1 | 25.0% |
| Los Angeles County | 3 | 2 | 0 | 0.0% |
| San Diego County | 2 | 2 | 0 | 0.0% |
| San Bernardino County | 2 | 0 | 1 | 50.0% |
| San Francisco County | 2 | 1 | 0 | 0.0% |
| Orange County | 2 | 1 | 1 | 50.0% |
| Alameda County | 1 | 1 | 0 | 0.0% |
| Santa Barbara County | 1 | 1 | 0 | 0.0% |
| San Luis Obispo County | 1 | 1 | 0 | 0.0% |
| Yolo 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: 20 applications in 2025, of which 11 were originated and 3 denied.
15.0% of all applications, or 21.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Loansteady originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Loansteady'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