Mortgage Research Center in California vs the state
21.0%Denial rate+3.55 pts vs state
34.8%Decision denial rate+12.35 pts vs state
38.7%Origination rate-17.47 pts vs state
6.13%Median rate-0.50 pts vs state
-0.42Rate spread (pts)-0.69 pts vs state
$126kMedian applicant income
2,515Loans originated
1,362Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,980 | 1,532 | 21.2% | 6.63% | #43 |
| 2024 | 4,812 | 2,038 | 18.2% | 6.25% | #39 |
| 2025 | 6,494 | 2,515 | 21.0% | 6.13% | #33 |
What Mortgage Research Center lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 877 | 347 | 182 | 20.8% |
| San Diego County | 875 | 381 | 138 | 15.8% |
| Los Angeles County | 603 | 179 | 148 | 24.5% |
| San Bernardino County | 521 | 215 | 98 | 18.8% |
| Sacramento County | 346 | 136 | 73 | 21.1% |
| Kern County | 336 | 142 | 68 | 20.2% |
| Fresno County | 249 | 108 | 59 | 23.7% |
| Solano County | 208 | 79 | 43 | 20.7% |
| Contra Costa County | 178 | 75 | 28 | 15.7% |
| San Joaquin County | 171 | 56 | 33 | 19.3% |
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: 6,494 applications in 2025, of which 2,515 were originated and 1,362 denied.
21.0% of all applications, or 34.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mortgage Research Center originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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