Nations Direct Mortgage in California vs the state
7.3%Denial rate-10.11 pts vs state
10.5%Decision denial rate-11.86 pts vs state
62.0%Origination rate+5.79 pts vs state
6.63%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.12 pts vs state
$170kMedian applicant income
840Loans originated
99Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,481 | 799 | 11.4% | 6.88% | #103 |
| 2024 | 1,625 | 980 | 9.4% | 6.99% | #107 |
| 2025 | 1,355 | 840 | 7.3% | 6.63% | #139 |
What Nations Direct Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 406 | 234 | 27 | 6.7% |
| Riverside County | 151 | 99 | 13 | 8.6% |
| San Bernardino County | 125 | 83 | 4 | 3.2% |
| Orange County | 112 | 77 | 9 | 8.0% |
| San Diego County | 87 | 57 | 9 | 10.3% |
| Sacramento County | 64 | 40 | 9 | 14.1% |
| Ventura County | 55 | 35 | 3 | 5.5% |
| Kern County | 53 | 29 | 3 | 5.7% |
| San Joaquin County | 41 | 24 | 3 | 7.3% |
| Fresno County | 25 | 16 | 1 | 4.0% |
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: 1,355 applications in 2025, of which 840 were originated and 99 denied.
7.3% of all applications, or 10.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Nations Direct Mortgage originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct 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