Shea Mortgage in California vs the state
3.3%Denial rate-14.11 pts vs state
4.8%Decision denial rate-17.64 pts vs state
65.8%Origination rate+9.61 pts vs state
6.50%Median rate-0.13 pts vs state
-0.08Rate spread (pts)-0.35 pts vs state
$216kMedian applicant income
179Loans originated
9Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 550 | 282 | 2.6% | 6.50% | #210 |
| 2024 | 440 | 288 | 3.4% | 6.63% | #263 |
| 2025 | 272 | 179 | 3.3% | 6.50% | #327 |
What Shea Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Shea Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 69 | 31 | 4 | 5.8% |
| Ventura County | 56 | 43 | 1 | 1.8% |
| San Bernardino County | 22 | 17 | 3 | 13.6% |
| San Benito County | 21 | 14 | 0 | 0.0% |
| San Luis Obispo County | 21 | 13 | 0 | 0.0% |
| San Joaquin County | 17 | 16 | 1 | 5.9% |
| Riverside County | 16 | 13 | 0 | 0.0% |
| Orange County | 13 | 5 | 0 | 0.0% |
| Contra Costa County | 13 | 10 | 0 | 0.0% |
| Placer County | 12 | 11 | 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: 272 applications in 2025, of which 179 were originated and 9 denied.
3.3% of all applications, or 4.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Shea Mortgage originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Shea 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