RPE Home in California vs the state
10.4%Denial rate-7.00 pts vs state
18.5%Decision denial rate-3.88 pts vs state
45.8%Origination rate-10.37 pts vs state
10.68%Median rate+4.05 pts vs state
—Rate spread (pts)
—Median applicant income
22Loans originated
5Denied
What RPE Home lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most RPE Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 11 | 2 | 1 | 9.1% |
| Riverside County | 6 | 2 | 1 | 16.7% |
| San Bernardino County | 5 | 1 | 1 | 20.0% |
| Alameda County | 5 | 4 | 0 | 0.0% |
| Sacramento County | 4 | 3 | 0 | 0.0% |
| Contra Costa County | 2 | 2 | 0 | 0.0% |
| Solano County | 2 | 1 | 0 | 0.0% |
| Santa Cruz County | 2 | 2 | 0 | 0.0% |
| Del Norte County | 1 | 0 | 0 | 0.0% |
| Fresno County | 1 | 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: 48 applications in 2025, of which 22 were originated and 5 denied.
10.4% of all applications, or 18.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans RPE Home originated in California in 2025 was 10.68%, against a statewide median of 6.63%.
About this data. Figures are RPE Home'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