Right Start Mortgage in California vs the state
4.7%Denial rate-12.73 pts vs state
6.4%Decision denial rate-16.02 pts vs state
68.8%Origination rate+12.55 pts vs state
6.56%Median rate-0.06 pts vs state
0.38Rate spread (pts)+0.11 pts vs state
$157kMedian applicant income
44Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 30 | 4.0% | 6.50% | #541 |
| 2024 | 83 | 52 | 18.1% | 6.38% | #465 |
| 2025 | 64 | 44 | 4.7% | 6.56% | #497 |
What Right Start Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Right Start Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 21 | 17 | 0 | 0.0% |
| Riverside County | 7 | 6 | 1 | 14.3% |
| Los Angeles County | 5 | 1 | 0 | 0.0% |
| Solano County | 5 | 5 | 0 | 0.0% |
| Placer County | 4 | 2 | 0 | 0.0% |
| Orange County | 3 | 1 | 1 | 33.3% |
| Sacramento County | 2 | 1 | 0 | 0.0% |
| San Bernardino County | 2 | 1 | 0 | 0.0% |
| San Joaquin County | 2 | 1 | 1 | 50.0% |
| Yolo County | 2 | 1 | 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: 64 applications in 2025, of which 44 were originated and 3 denied.
4.7% of all applications, or 6.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Right Start Mortgage originated in California in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Right Start 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