Plaza Home Mortgage in California vs the state
34.8%Denial rate+17.34 pts vs state
37.7%Decision denial rate+15.29 pts vs state
55.6%Origination rate-0.59 pts vs state
6.63%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.12 pts vs state
$141kMedian applicant income
1,056Loans originated
660Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,499 | 929 | 13.7% | 6.88% | #101 |
| 2024 | 1,968 | 1,112 | 26.7% | 6.88% | #86 |
| 2025 | 1,899 | 1,056 | 34.8% | 6.63% | #108 |
What Plaza Home Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 356 | 184 | 136 | 38.2% |
| San Diego County | 179 | 114 | 47 | 26.3% |
| Riverside County | 164 | 81 | 60 | 36.6% |
| Orange County | 146 | 85 | 48 | 32.9% |
| San Bernardino County | 99 | 53 | 38 | 38.4% |
| Sacramento County | 98 | 67 | 28 | 28.6% |
| Fresno County | 91 | 52 | 33 | 36.3% |
| Kern County | 89 | 47 | 33 | 37.1% |
| Contra Costa County | 52 | 25 | 21 | 40.4% |
| Merced County | 52 | 39 | 11 | 21.2% |
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: 1,899 applications in 2025, of which 1,056 were originated and 660 denied.
34.8% of all applications, or 37.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Plaza Home Mortgage originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Plaza Home 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