Resicentral in California vs the state
3.9%Denial rate-13.53 pts vs state
5.3%Decision denial rate-17.10 pts vs state
64.3%Origination rate+8.11 pts vs state
6.49%Median rate-0.13 pts vs state
0.12Rate spread (pts)-0.16 pts vs state
$170kMedian applicant income
1,108Loans originated
67Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 574 | 343 | 7.8% | 6.88% | #202 |
| 2024 | 1,358 | 908 | 3.8% | 6.63% | #128 |
| 2025 | 1,723 | 1,108 | 3.9% | 6.49% | #116 |
What Resicentral lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 401 | 258 | 18 | 4.5% |
| Los Angeles County | 157 | 94 | 5 | 3.2% |
| Riverside County | 138 | 91 | 4 | 2.9% |
| Sacramento County | 113 | 71 | 3 | 2.7% |
| Santa Clara County | 112 | 68 | 4 | 3.6% |
| Alameda County | 97 | 65 | 4 | 4.1% |
| Contra Costa County | 67 | 48 | 3 | 4.5% |
| Orange County | 66 | 43 | 2 | 3.0% |
| San Bernardino County | 60 | 32 | 5 | 8.3% |
| Fresno County | 47 | 30 | 2 | 4.3% |
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: 1,723 applications in 2025, of which 1,108 were originated and 67 denied.
3.9% of all applications, or 5.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Resicentral originated in California in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Resicentral'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