Mortgage Right in California vs the state
2.7%Denial rate-14.72 pts vs state
6.1%Decision denial rate-16.34 pts vs state
41.9%Origination rate-14.31 pts vs state
6.13%Median rate-0.50 pts vs state
-0.02Rate spread (pts)-0.29 pts vs state
$160kMedian applicant income
31Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 158 | 64 | 0.0% | 6.63% | #365 |
| 2024 | 120 | 59 | 4.2% | 6.75% | #413 |
| 2025 | 74 | 31 | 2.7% | 6.13% | #478 |
What Mortgage Right lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mortgage Right applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 23 | 10 | 0 | 0.0% |
| El Dorado County | 8 | 3 | 0 | 0.0% |
| Placer County | 7 | 3 | 1 | 14.3% |
| San Luis Obispo County | 6 | 4 | 0 | 0.0% |
| Contra Costa County | 4 | 1 | 0 | 0.0% |
| Ventura County | 3 | 2 | 0 | 0.0% |
| Riverside County | 3 | 2 | 0 | 0.0% |
| Orange County | 3 | 1 | 0 | 0.0% |
| San Bernardino County | 2 | 1 | 0 | 0.0% |
| Alameda County | 2 | 1 | 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: 74 applications in 2025, of which 31 were originated and 2 denied.
2.7% of all applications, or 6.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mortgage Right originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Right'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