Premier America in California vs the state
19.9%Denial rate+2.51 pts vs state
26.8%Decision denial rate+4.43 pts vs state
51.3%Origination rate-4.92 pts vs state
8.00%Median rate+1.38 pts vs state
0.82Rate spread (pts)+0.54 pts vs state
$145kMedian applicant income
301Loans originated
117Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 467 | 290 | 23.6% | 8.38% | #235 |
| 2024 | 655 | 321 | 15.7% | 9.00% | #210 |
| 2025 | 587 | 301 | 19.9% | 8.00% | #241 |
What Premier America lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Premier America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 293 | 140 | 67 | 22.9% |
| Ventura County | 233 | 140 | 35 | 15.0% |
| San Bernardino County | 14 | 4 | 3 | 21.4% |
| Riverside County | 10 | 2 | 4 | 40.0% |
| Orange County | 9 | 5 | 1 | 11.1% |
| San Diego County | 6 | 2 | 2 | 33.3% |
| Kern County | 5 | 2 | 1 | 20.0% |
| Santa Barbara County | 3 | 1 | 1 | 33.3% |
| Fresno County | 3 | 0 | 1 | 33.3% |
| Mono County | 2 | 0 | 1 | 50.0% |
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: 587 applications in 2025, of which 301 were originated and 117 denied.
19.9% of all applications, or 26.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Premier America originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Premier America'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