Mld Mortgage in California vs the state
2.1%Denial rate-15.37 pts vs state
2.4%Decision denial rate-20.01 pts vs state
75.0%Origination rate+18.82 pts vs state
6.38%Median rate-0.25 pts vs state
0.12Rate spread (pts)-0.15 pts vs state
$144kMedian applicant income
805Loans originated
22Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 671 | 491 | 4.5% | 6.50% | #179 |
| 2024 | 855 | 663 | 2.9% | 6.50% | #177 |
| 2025 | 1,073 | 805 | 2.1% | 6.38% | #164 |
What Mld Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mld Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ventura County | 198 | 146 | 5 | 2.5% |
| Los Angeles County | 195 | 148 | 4 | 2.1% |
| Contra Costa County | 151 | 117 | 3 | 2.0% |
| Kern County | 140 | 103 | 4 | 2.9% |
| Tulare County | 82 | 69 | 1 | 1.2% |
| Alameda County | 56 | 41 | 0 | 0.0% |
| Solano County | 50 | 41 | 0 | 0.0% |
| San Bernardino County | 32 | 24 | 1 | 3.1% |
| Sacramento County | 26 | 19 | 1 | 3.8% |
| Riverside County | 24 | 17 | 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: 1,073 applications in 2025, of which 805 were originated and 22 denied.
2.1% of all applications, or 2.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mld Mortgage originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Mld 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