Pulte Mortgage in California vs the state
17.8%Denial rate+0.36 pts vs state
24.2%Decision denial rate+1.76 pts vs state
55.7%Origination rate-0.50 pts vs state
5.50%Median rate-1.13 pts vs state
-0.75Rate spread (pts)-1.02 pts vs state
$180kMedian applicant income
943Loans originated
301Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,150 | 690 | 13.0% | 5.88% | #122 |
| 2024 | 1,733 | 1,044 | 15.6% | 5.88% | #98 |
| 2025 | 1,693 | 943 | 17.8% | 5.50% | #119 |
What Pulte Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Pulte Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 916 | 441 | 207 | 22.6% |
| San Joaquin County | 259 | 163 | 26 | 10.0% |
| Santa Clara County | 127 | 101 | 6 | 4.7% |
| Placer County | 109 | 68 | 12 | 11.0% |
| Sacramento County | 71 | 51 | 7 | 9.9% |
| Los Angeles County | 58 | 25 | 17 | 29.3% |
| Solano County | 45 | 28 | 9 | 20.0% |
| San Bernardino County | 40 | 22 | 9 | 22.5% |
| Orange County | 27 | 15 | 5 | 18.5% |
| Contra Costa County | 23 | 16 | 2 | 8.7% |
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: 1,693 applications in 2025, of which 943 were originated and 301 denied.
17.8% of all applications, or 24.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Pulte Mortgage originated in California in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Pulte 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