Sesloc in California vs the state
26.3%Denial rate+8.83 pts vs state
30.0%Decision denial rate+7.56 pts vs state
60.5%Origination rate+4.30 pts vs state
7.50%Median rate+0.88 pts vs state
0.24Rate spread (pts)-0.03 pts vs state
$145kMedian applicant income
484Loans originated
210Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 896 | 478 | 38.2% | 8.25% | #146 |
| 2024 | 807 | 427 | 39.5% | 8.50% | #182 |
| 2025 | 800 | 484 | 26.3% | 7.50% | #194 |
What Sesloc lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Sesloc applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Luis Obispo County | 624 | 387 | 154 | 24.7% |
| Santa Barbara County | 138 | 78 | 45 | 32.6% |
| San Diego County | 4 | 3 | 1 | 25.0% |
| Kern County | 4 | 0 | 1 | 25.0% |
| Monterey County | 4 | 2 | 2 | 50.0% |
| Los Angeles County | 4 | 3 | 1 | 25.0% |
| Madera County | 3 | 1 | 2 | 66.7% |
| Fresno County | 3 | 2 | 0 | 0.0% |
| Tulare County | 2 | 2 | 0 | 0.0% |
| Yolo 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: 800 applications in 2025, of which 484 were originated and 210 denied.
26.3% of all applications, or 30.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Sesloc originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Sesloc'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