Mortgageone in California vs the state
3.6%Denial rate-13.79 pts vs state
5.8%Decision denial rate-16.64 pts vs state
58.7%Origination rate+2.51 pts vs state
6.63%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.12 pts vs state
$164kMedian applicant income
792Loans originated
49Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 250 | 151 | 1.6% | 6.75% | #315 |
| 2024 | 693 | 448 | 1.2% | 6.63% | #203 |
| 2025 | 1,349 | 792 | 3.6% | 6.63% | #140 |
What Mortgageone lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mortgageone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 242 | 133 | 11 | 4.5% |
| Shasta County | 182 | 123 | 1 | 0.5% |
| Riverside County | 134 | 74 | 11 | 8.2% |
| Orange County | 124 | 63 | 4 | 3.2% |
| Los Angeles County | 103 | 53 | 13 | 12.6% |
| Sonoma County | 85 | 60 | 1 | 1.2% |
| Ventura County | 54 | 24 | 1 | 1.9% |
| Merced County | 48 | 29 | 0 | 0.0% |
| Fresno County | 45 | 23 | 2 | 4.4% |
| San Bernardino County | 45 | 30 | 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: 1,349 applications in 2025, of which 792 were originated and 49 denied.
3.6% of all applications, or 5.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mortgageone originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Mortgageone'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