Mlb Residential Lending in California vs the state
63.6%Denial rate+46.22 pts vs state
87.5%Decision denial rate+65.10 pts vs state
9.1%Origination rate-47.11 pts vs state
9.13%Median rate+2.50 pts vs state
2.76Rate spread (pts)+2.49 pts vs state
$145kMedian applicant income
1Loans originated
7Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 2 | 57.1% | 6.38% | #765 |
| 2025 | 11 | 1 | 63.6% | 9.13% | #725 |
What Mlb Residential Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mlb Residential Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 2 | 0 | 2 | 100.0% |
| Riverside County | 2 | 0 | 1 | 50.0% |
| Los Angeles County | 2 | 0 | 1 | 50.0% |
| Ventura County | 1 | 0 | 1 | 100.0% |
| San Diego County | 1 | 0 | 0 | 0.0% |
| Madera County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Sacramento 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: 11 applications in 2025, of which 1 were originated and 7 denied.
63.6% of all applications, or 87.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mlb Residential Lending originated in California in 2025 was 9.13%, against a statewide median of 6.63%.
About this data. Figures are Mlb Residential Lending'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