Member First Mortgage in California vs the state
11.9%Denial rate-5.52 pts vs state
21.7%Decision denial rate-0.66 pts vs state
40.5%Origination rate-15.72 pts vs state
6.00%Median rate-0.63 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$185kMedian applicant income
17Loans originated
5Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 58 | 5.2% | 5.81% | #475 |
| 2024 | 36 | 14 | 16.7% | 6.75% | #567 |
| 2025 | 42 | 17 | 11.9% | 6.00% | #544 |
What Member First Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 12 | 7 | 0 | 0.0% |
| Santa Clara County | 4 | 2 | 0 | 0.0% |
| Orange County | 4 | 3 | 0 | 0.0% |
| Kern County | 3 | 0 | 0 | 0.0% |
| Siskiyou County | 3 | 1 | 0 | 0.0% |
| Ventura County | 2 | 0 | 1 | 50.0% |
| San Benito County | 2 | 0 | 0 | 0.0% |
| Riverside County | 2 | 0 | 0 | 0.0% |
| Santa Barbara County | 1 | 1 | 0 | 0.0% |
| Modoc County | 1 | 0 | 1 | 100.0% |
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: 42 applications in 2025, of which 17 were originated and 5 denied.
11.9% of all applications, or 21.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Member First Mortgage originated in California in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Member First Mortgage'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