OriginPoint in California vs the state
4.3%Denial rate-13.09 pts vs state
6.8%Decision denial rate-15.65 pts vs state
58.9%Origination rate+2.69 pts vs state
6.63%Median rate0.00 pts vs state
0.18Rate spread (pts)-0.09 pts vs state
$305kMedian applicant income
1,252Loans originated
92Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 944 | 570 | 5.1% | 6.78% | #138 |
| 2024 | 1,553 | 895 | 5.0% | 6.88% | #113 |
| 2025 | 2,126 | 1,252 | 4.3% | 6.63% | #102 |
What OriginPoint lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most OriginPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 469 | 236 | 27 | 5.8% |
| San Diego County | 195 | 113 | 8 | 4.1% |
| Santa Barbara County | 187 | 111 | 7 | 3.7% |
| San Francisco County | 161 | 97 | 4 | 2.5% |
| Santa Clara County | 160 | 109 | 4 | 2.5% |
| Orange County | 149 | 87 | 12 | 8.1% |
| Alameda County | 137 | 87 | 4 | 2.9% |
| Marin County | 114 | 65 | 4 | 3.5% |
| San Mateo County | 88 | 65 | 2 | 2.3% |
| Contra Costa County | 75 | 53 | 3 | 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: 2,126 applications in 2025, of which 1,252 were originated and 92 denied.
4.3% of all applications, or 6.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans OriginPoint originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are OriginPoint'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