Rocket Mortgage in California vs the state
17.6%Denial rate+0.15 pts vs state
19.2%Decision denial rate-3.16 pts vs state
71.6%Origination rate+15.42 pts vs state
6.75%Median rate+0.13 pts vs state
0.34Rate spread (pts)+0.07 pts vs state
$155kMedian applicant income
42,202Loans originated
10,352Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39,611 | 29,265 | 15.6% | 6.75% | #3 |
| 2024 | 50,868 | 37,412 | 16.3% | 6.75% | #2 |
| 2025 | 58,925 | 42,202 | 17.6% | 6.75% | #2 |
What Rocket Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 10,994 | 7,659 | 2,100 | 19.1% |
| San Diego County | 5,390 | 3,920 | 831 | 15.4% |
| Riverside County | 5,371 | 3,844 | 971 | 18.1% |
| Orange County | 4,442 | 3,235 | 749 | 16.9% |
| San Bernardino County | 3,973 | 2,802 | 758 | 19.1% |
| Sacramento County | 3,335 | 2,467 | 502 | 15.1% |
| Contra Costa County | 2,283 | 1,644 | 401 | 17.6% |
| Alameda County | 2,210 | 1,611 | 388 | 17.6% |
| Santa Clara County | 2,098 | 1,514 | 391 | 18.6% |
| Kern County | 1,675 | 1,169 | 328 | 19.6% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| 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% |
| Coastal Community Bank | C | 15,830 | 2.7% | 9.99% |
Frequently asked questions
California: 58,925 applications in 2025, of which 42,202 were originated and 10,352 denied.
17.6% of all applications, or 19.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Rocket Mortgage originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Rocket 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