Mission in California vs the state
13.8%Denial rate-3.59 pts vs state
17.1%Decision denial rate-5.31 pts vs state
62.4%Origination rate+6.22 pts vs state
6.99%Median rate+0.37 pts vs state
-0.25Rate spread (pts)-0.52 pts vs state
$167kMedian applicant income
1,950Loans originated
432Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,096 | 1,269 | 18.3% | 7.99% | #74 |
| 2024 | 2,658 | 1,611 | 16.1% | 7.99% | #66 |
| 2025 | 3,124 | 1,950 | 13.8% | 6.99% | #64 |
What Mission lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mission applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 3,099 | 1,940 | 429 | 13.8% |
| Riverside County | 15 | 6 | 2 | 13.3% |
| Los Angeles County | 3 | 2 | 0 | 0.0% |
| Orange County | 2 | 1 | 1 | 50.0% |
| San Bernardino County | 2 | 1 | 0 | 0.0% |
| Imperial County | 1 | 0 | 0 | 0.0% |
| Solano County | 1 | 0 | 0 | 0.0% |
| Kern 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: 3,124 applications in 2025, of which 1,950 were originated and 432 denied.
13.8% of all applications, or 17.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mission originated in California in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Mission'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