Sierra Pacific Mortgage Company in California vs the state
7.7%Denial rate-9.69 pts vs state
9.6%Decision denial rate-12.78 pts vs state
70.5%Origination rate+14.28 pts vs state
6.50%Median rate-0.13 pts vs state
0.27Rate spread (pts)0.00 pts vs state
$135kMedian applicant income
2,290Loans originated
251Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,201 | 2,280 | 16.0% | 6.38% | #50 |
| 2024 | 3,569 | 2,570 | 11.2% | 6.50% | #51 |
| 2025 | 3,249 | 2,290 | 7.7% | 6.50% | #60 |
What Sierra Pacific Mortgage Company lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 441 | 292 | 42 | 9.5% |
| Kern County | 314 | 221 | 21 | 6.7% |
| Sacramento County | 248 | 188 | 13 | 5.2% |
| San Diego County | 236 | 154 | 26 | 11.0% |
| Fresno County | 186 | 126 | 16 | 8.6% |
| Riverside County | 173 | 127 | 13 | 7.5% |
| Orange County | 161 | 100 | 14 | 8.7% |
| San Bernardino County | 137 | 101 | 7 | 5.1% |
| San Joaquin County | 133 | 97 | 6 | 4.5% |
| Madera County | 112 | 89 | 10 | 8.9% |
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: 3,249 applications in 2025, of which 2,290 were originated and 251 denied.
7.7% of all applications, or 9.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Sierra Pacific Mortgage Company originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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