Longbridge Financial in California vs the state
9.1%Denial rate-8.31 pts vs state
10.9%Decision denial rate-11.54 pts vs state
65.4%Origination rate+9.17 pts vs state
6.63%Median rate0.00 pts vs state
—Rate spread (pts)
$35kMedian applicant income
1,040Loans originated
145Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,059 | 756 | 13.4% | 7.61% | #129 |
| 2024 | 1,213 | 820 | 13.3% | 7.23% | #138 |
| 2025 | 1,591 | 1,040 | 9.1% | 6.63% | #125 |
What Longbridge Financial lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Longbridge Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 355 | 225 | 29 | 8.2% |
| Orange County | 175 | 127 | 10 | 5.7% |
| San Diego County | 168 | 126 | 13 | 7.7% |
| Riverside County | 152 | 98 | 14 | 9.2% |
| San Bernardino County | 76 | 47 | 13 | 17.1% |
| Santa Clara County | 62 | 47 | 0 | 0.0% |
| Alameda County | 45 | 26 | 4 | 8.9% |
| Sonoma County | 45 | 35 | 3 | 6.7% |
| Contra Costa County | 42 | 22 | 6 | 14.3% |
| Sacramento County | 41 | 22 | 5 | 12.2% |
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: 1,591 applications in 2025, of which 1,040 were originated and 145 denied.
9.1% of all applications, or 10.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Longbridge Financial originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Longbridge Financial'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