Neighborhood Loans in California vs the state
80.1%Denial rate+62.72 pts vs state
86.3%Decision denial rate+63.86 pts vs state
8.5%Origination rate-47.69 pts vs state
7.75%Median rate+1.13 pts vs state
-5.64Rate spread (pts)-5.91 pts vs state
$157kMedian applicant income
12Loans originated
113Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 39 | 34.7% | 6.38% | #490 |
| 2024 | 246 | 135 | 37.0% | 6.63% | #318 |
| 2025 | 141 | 12 | 80.1% | 7.75% | #400 |
What Neighborhood Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Neighborhood Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 103 | 7 | 84 | 81.6% |
| Riverside County | 17 | 4 | 12 | 70.6% |
| Los Angeles County | 9 | 0 | 7 | 77.8% |
| San Joaquin County | 3 | 0 | 3 | 100.0% |
| San Bernardino County | 2 | 0 | 1 | 50.0% |
| Orange County | 2 | 0 | 2 | 100.0% |
| Sacramento County | 2 | 0 | 2 | 100.0% |
| Kings County | 1 | 1 | 0 | 0.0% |
| Butte County | 1 | 0 | 1 | 100.0% |
| Imperial County | 1 | 0 | 1 | 100.0% |
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: 141 applications in 2025, of which 12 were originated and 113 denied.
80.1% of all applications, or 86.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Neighborhood Loans originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Neighborhood Loans'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