Nexera Holding in California vs the state
8.0%Denial rate-9.38 pts vs state
11.8%Decision denial rate-10.56 pts vs state
59.1%Origination rate+2.85 pts vs state
7.38%Median rate+0.75 pts vs state
0.95Rate spread (pts)+0.68 pts vs state
$270kMedian applicant income
1,755Loans originated
239Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,440 | 734 | 5.1% | 8.25% | #107 |
| 2024 | 2,027 | 1,202 | 4.9% | 7.75% | #84 |
| 2025 | 2,972 | 1,755 | 8.0% | 7.38% | #69 |
What Nexera Holding lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Nexera Holding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 698 | 410 | 58 | 8.3% |
| San Diego County | 349 | 210 | 24 | 6.9% |
| Orange County | 323 | 193 | 20 | 6.2% |
| Riverside County | 175 | 89 | 15 | 8.6% |
| San Bernardino County | 132 | 82 | 13 | 9.8% |
| Sacramento County | 100 | 57 | 7 | 7.0% |
| Contra Costa County | 100 | 57 | 10 | 10.0% |
| Ventura County | 97 | 60 | 4 | 4.1% |
| Alameda County | 87 | 50 | 8 | 9.2% |
| San Joaquin County | 81 | 48 | 8 | 9.9% |
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: 2,972 applications in 2025, of which 1,755 were originated and 239 denied.
8.0% of all applications, or 11.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Nexera Holding originated in California in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Nexera Holding'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