Reliable Holdings Manager dba Lendz Financial in California vs the state
5.4%Denial rate-12.04 pts vs state
10.2%Decision denial rate-12.20 pts vs state
47.3%Origination rate-8.89 pts vs state
7.38%Median rate+0.75 pts vs state
1.12Rate spread (pts)+0.85 pts vs state
$274kMedian applicant income
44Loans originated
5Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 25 | 22 | 12.0% | 8.00% | #608 |
| 2025 | 93 | 44 | 5.4% | 7.38% | #450 |
What Reliable Holdings Manager dba Lendz Financial lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Reliable Holdings Manager dba Lendz Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 33 | 10 | 2 | 6.1% |
| Orange County | 19 | 12 | 1 | 5.3% |
| San Diego County | 9 | 4 | 0 | 0.0% |
| San Bernardino County | 8 | 7 | 0 | 0.0% |
| Riverside County | 7 | 4 | 0 | 0.0% |
| Contra Costa County | 4 | 1 | 1 | 25.0% |
| Kern County | 2 | 2 | 0 | 0.0% |
| Fresno County | 2 | 1 | 0 | 0.0% |
| Placer County | 1 | 0 | 0 | 0.0% |
| Sonoma County | 1 | 0 | 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: 93 applications in 2025, of which 44 were originated and 5 denied.
5.4% of all applications, or 10.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Reliable Holdings Manager dba Lendz Financial originated in California in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Reliable Holdings Manager dba Lendz Financial'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