LoanUnited.com in California vs the state
8.1%Denial rate-9.30 pts vs state
19.5%Decision denial rate-2.87 pts vs state
33.2%Origination rate-23.00 pts vs state
6.00%Median rate-0.63 pts vs state
-0.07Rate spread (pts)-0.34 pts vs state
$129kMedian applicant income
409Loans originated
100Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 259 | 70 | 5.8% | 6.13% | #310 |
| 2024 | 494 | 165 | 1.0% | 5.88% | #246 |
| 2025 | 1,232 | 409 | 8.1% | 6.00% | #149 |
What LoanUnited.com lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most LoanUnited.com applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 217 | 92 | 23 | 10.6% |
| Los Angeles County | 160 | 37 | 14 | 8.8% |
| San Diego County | 140 | 60 | 5 | 3.6% |
| San Bernardino County | 127 | 37 | 13 | 10.2% |
| Sacramento County | 74 | 17 | 8 | 10.8% |
| Kern County | 56 | 17 | 6 | 10.7% |
| Ventura County | 52 | 25 | 1 | 1.9% |
| Orange County | 47 | 14 | 2 | 4.3% |
| San Joaquin County | 38 | 13 | 1 | 2.6% |
| Contra Costa County | 35 | 14 | 5 | 14.3% |
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: 1,232 applications in 2025, of which 409 were originated and 100 denied.
8.1% of all applications, or 19.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans LoanUnited.com originated in California in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are LoanUnited.com'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