Primelending, a Plainscapital in California vs the state
7.6%Denial rate-9.85 pts vs state
9.2%Decision denial rate-13.25 pts vs state
66.7%Origination rate+10.54 pts vs state
6.50%Median rate-0.13 pts vs state
0.24Rate spread (pts)-0.03 pts vs state
$145kMedian applicant income
1,208Loans originated
137Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,924 | 1,323 | 6.3% | 6.63% | #82 |
| 2024 | 1,870 | 1,333 | 6.6% | 6.63% | #91 |
| 2025 | 1,810 | 1,208 | 7.6% | 6.50% | #112 |
What Primelending, a Plainscapital lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Primelending, a Plainscapital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Imperial County | 192 | 146 | 7 | 3.6% |
| Orange County | 183 | 116 | 15 | 8.2% |
| Riverside County | 179 | 129 | 9 | 5.0% |
| Los Angeles County | 156 | 92 | 15 | 9.6% |
| Shasta County | 135 | 72 | 20 | 14.8% |
| San Diego County | 125 | 87 | 10 | 8.0% |
| San Bernardino County | 92 | 64 | 5 | 5.4% |
| Sacramento County | 81 | 47 | 9 | 11.1% |
| Yolo County | 77 | 70 | 0 | 0.0% |
| Stanislaus County | 74 | 60 | 5 | 6.8% |
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: 1,810 applications in 2025, of which 1,208 were originated and 137 denied.
7.6% of all applications, or 9.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Primelending, a Plainscapital originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Primelending, a Plainscapital'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