Royal United Mortgage in California vs the state
25.2%Denial rate+7.80 pts vs state
28.2%Decision denial rate+5.76 pts vs state
60.0%Origination rate+3.80 pts vs state
6.88%Median rate+0.25 pts vs state
0.86Rate spread (pts)+0.59 pts vs state
$51kMedian applicant income
69Loans originated
29Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 117 | 21.0% | 7.00% | #343 |
| 2024 | 183 | 104 | 29.5% | 7.00% | #360 |
| 2025 | 115 | 69 | 25.2% | 6.88% | #417 |
What Royal United Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 13 | 6 | 5 | 38.5% |
| San Bernardino County | 13 | 7 | 5 | 38.5% |
| Riverside County | 12 | 7 | 3 | 25.0% |
| Sacramento County | 7 | 4 | 1 | 14.3% |
| Orange County | 6 | 4 | 1 | 16.7% |
| Kern County | 6 | 4 | 2 | 33.3% |
| San Diego County | 4 | 2 | 1 | 25.0% |
| El Dorado County | 4 | 2 | 0 | 0.0% |
| Contra Costa County | 4 | 3 | 0 | 0.0% |
| Stanislaus County | 3 | 2 | 1 | 33.3% |
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: 115 applications in 2025, of which 69 were originated and 29 denied.
25.2% of all applications, or 28.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Royal United Mortgage originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Royal United 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