Mycumortgage in California vs the state
13.8%Denial rate-3.63 pts vs state
19.1%Decision denial rate-3.35 pts vs state
48.3%Origination rate-7.92 pts vs state
6.38%Median rate-0.25 pts vs state
0.34Rate spread (pts)+0.07 pts vs state
$122kMedian applicant income
14Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 3 | 28.6% | 6.88% | #767 |
| 2025 | 29 | 14 | 13.8% | 6.38% | #598 |
What Mycumortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Mycumortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stanislaus County | 10 | 5 | 0 | 0.0% |
| Los Angeles County | 3 | 0 | 1 | 33.3% |
| Imperial County | 3 | 3 | 0 | 0.0% |
| Riverside County | 2 | 1 | 0 | 0.0% |
| Orange County | 2 | 0 | 1 | 50.0% |
| Fresno County | 2 | 0 | 2 | 100.0% |
| San Diego County | 2 | 2 | 0 | 0.0% |
| Tulare County | 1 | 1 | 0 | 0.0% |
| San Bernardino County | 1 | 0 | 0 | 0.0% |
| San Joaquin County | 1 | 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: 29 applications in 2025, of which 14 were originated and 4 denied.
13.8% of all applications, or 19.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Mycumortgage originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Mycumortgage'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