Mission Loans in California vs the state
2.6%Denial rate-14.85 pts vs state
10.4%Decision denial rate-12.03 pts vs state
18.2%Origination rate-37.97 pts vs state
7.99%Median rate+1.37 pts vs state
1.68Rate spread (pts)+1.40 pts vs state
$117kMedian applicant income
454Loans originated
64Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,897 | 968 | 3.2% | 6.63% | #83 |
| 2024 | 2,147 | 379 | 4.4% | 9.38% | #80 |
| 2025 | 2,491 | 454 | 2.6% | 7.99% | #82 |
What Mission Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mission Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 510 | 66 | 10 | 2.0% |
| Riverside County | 258 | 47 | 7 | 2.7% |
| San Bernardino County | 206 | 42 | 5 | 2.4% |
| San Diego County | 195 | 41 | 8 | 4.1% |
| Orange County | 164 | 38 | 2 | 1.2% |
| Sacramento County | 93 | 22 | 4 | 4.3% |
| Contra Costa County | 90 | 16 | 2 | 2.2% |
| Alameda County | 84 | 14 | 4 | 4.8% |
| Kern County | 79 | 10 | 3 | 3.8% |
| San Joaquin County | 76 | 14 | 5 | 6.6% |
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: 2,491 applications in 2025, of which 454 were originated and 64 denied.
2.6% of all applications, or 10.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mission Loans originated in California in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are Mission Loans'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