Prosperity Home Mortgage in California vs the state
7.1%Denial rate-10.36 pts vs state
9.5%Decision denial rate-12.93 pts vs state
67.0%Origination rate+10.75 pts vs state
6.63%Median rate0.00 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$216kMedian applicant income
626Loans originated
66Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,504 | 718 | 27.1% | 6.88% | #99 |
| 2024 | 936 | 582 | 8.8% | 6.75% | #162 |
| 2025 | 935 | 626 | 7.1% | 6.63% | #180 |
What Prosperity Home Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 194 | 138 | 11 | 5.7% |
| Riverside County | 133 | 93 | 6 | 4.5% |
| Los Angeles County | 94 | 54 | 10 | 10.6% |
| Orange County | 94 | 58 | 3 | 3.2% |
| Santa Barbara County | 80 | 52 | 6 | 7.5% |
| Ventura County | 69 | 48 | 6 | 8.7% |
| Santa Clara County | 65 | 44 | 5 | 7.7% |
| San Mateo County | 32 | 20 | 3 | 9.4% |
| San Bernardino County | 28 | 22 | 3 | 10.7% |
| Amador County | 21 | 14 | 1 | 4.8% |
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: 935 applications in 2025, of which 626 were originated and 66 denied.
7.1% of all applications, or 9.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Prosperity Home Mortgage originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Prosperity 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