Planet Home Lending in California vs the state
17.5%Denial rate+0.04 pts vs state
18.6%Decision denial rate-3.81 pts vs state
74.6%Origination rate+18.39 pts vs state
5.99%Median rate-0.63 pts vs state
0.04Rate spread (pts)-0.24 pts vs state
$142kMedian applicant income
1,004Loans originated
235Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 804 | 515 | 30.0% | 6.63% | #153 |
| 2024 | 1,092 | 755 | 22.4% | 6.38% | #146 |
| 2025 | 1,346 | 1,004 | 17.5% | 5.99% | #141 |
What Planet Home Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Planet Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 248 | 197 | 34 | 13.7% |
| Los Angeles County | 192 | 144 | 35 | 18.2% |
| Riverside County | 167 | 121 | 31 | 18.6% |
| San Diego County | 93 | 64 | 24 | 25.8% |
| Fresno County | 66 | 54 | 7 | 10.6% |
| Orange County | 55 | 38 | 13 | 23.6% |
| Kern County | 52 | 36 | 9 | 17.3% |
| Sacramento County | 47 | 39 | 8 | 17.0% |
| Contra Costa County | 41 | 30 | 9 | 22.0% |
| Alameda County | 40 | 31 | 5 | 12.5% |
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: 1,346 applications in 2025, of which 1,004 were originated and 235 denied.
17.5% of all applications, or 18.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Planet Home Lending originated in California in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Planet Home Lending'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