Reliance First Capital in California vs the state
13.3%Denial rate-4.09 pts vs state
15.4%Decision denial rate-7.02 pts vs state
73.3%Origination rate+17.13 pts vs state
7.99%Median rate+1.37 pts vs state
2.33Rate spread (pts)+2.06 pts vs state
$110kMedian applicant income
11Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 11 | 5.9% | 6.63% | #669 |
| 2024 | 6 | 5 | 0.0% | 6.88% | #786 |
| 2025 | 15 | 11 | 13.3% | 7.99% | #680 |
What Reliance First Capital lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 5 | 4 | 0 | 0.0% |
| Los Angeles County | 2 | 2 | 0 | 0.0% |
| Sacramento County | 2 | 2 | 0 | 0.0% |
| Alameda County | 2 | 2 | 0 | 0.0% |
| San Mateo County | 1 | 0 | 1 | 100.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Kern County | 1 | 0 | 0 | 0.0% |
| Butte County | 1 | 0 | 1 | 100.0% |
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: 15 applications in 2025, of which 11 were originated and 2 denied.
13.3% of all applications, or 15.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Reliance First Capital originated in California in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are Reliance First Capital'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