PHH Mortgage in California vs the state
10.2%Denial rate-7.21 pts vs state
22.0%Decision denial rate-0.39 pts vs state
35.8%Origination rate-20.39 pts vs state
6.00%Median rate-0.63 pts vs state
-0.02Rate spread (pts)-0.29 pts vs state
$88kMedian applicant income
800Loans originated
228Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,108 | 457 | 28.3% | 7.22% | #125 |
| 2024 | 1,651 | 568 | 16.2% | 6.75% | #106 |
| 2025 | 2,234 | 800 | 10.2% | 6.00% | #95 |
What PHH Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 496 | 169 | 47 | 9.5% |
| Riverside County | 232 | 79 | 29 | 12.5% |
| San Diego County | 200 | 95 | 23 | 11.5% |
| San Bernardino County | 176 | 66 | 15 | 8.5% |
| Orange County | 150 | 57 | 20 | 13.3% |
| Sacramento County | 114 | 41 | 8 | 7.0% |
| Contra Costa County | 80 | 26 | 5 | 6.3% |
| San Joaquin County | 67 | 18 | 2 | 3.0% |
| Alameda County | 66 | 17 | 10 | 15.2% |
| Ventura County | 57 | 25 | 7 | 12.3% |
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: 2,234 applications in 2025, of which 800 were originated and 228 denied.
10.2% of all applications, or 22.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans PHH Mortgage originated in California in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are PHH 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