Point Mortgage in California vs the state
0.5%Denial rate-16.97 pts vs state
0.5%Decision denial rate-21.90 pts vs state
79.9%Origination rate+23.71 pts vs state
6.49%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.12 pts vs state
$155kMedian applicant income
358Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 609 | 436 | 1.5% | 6.50% | #195 |
| 2024 | 468 | 358 | 1.7% | 6.49% | #254 |
| 2025 | 448 | 358 | 0.5% | 6.49% | #276 |
What Point Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 307 | 249 | 2 | 0.7% |
| Kern County | 92 | 75 | 0 | 0.0% |
| Riverside County | 26 | 23 | 0 | 0.0% |
| Los Angeles County | 9 | 5 | 0 | 0.0% |
| Fresno County | 5 | 1 | 0 | 0.0% |
| San Bernardino County | 2 | 1 | 0 | 0.0% |
| Ventura County | 2 | 1 | 0 | 0.0% |
| Imperial County | 2 | 2 | 0 | 0.0% |
| Orange County | 1 | 0 | 0 | 0.0% |
| Contra Costa County | 1 | 1 | 0 | 0.0% |
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: 448 applications in 2025, of which 358 were originated and 2 denied.
0.5% of all applications, or 0.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Point Mortgage originated in California in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Point 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