South River Mortgage in California vs the state
1.8%Denial rate-15.63 pts vs state
5.2%Decision denial rate-17.20 pts vs state
32.7%Origination rate-23.53 pts vs state
8.99%Median rate+2.37 pts vs state
—Rate spread (pts)
$29kMedian applicant income
164Loans originated
9Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 21 | 14.7% | 9.68% | #592 |
| 2024 | 77 | 75 | 0.0% | 6.69% | #475 |
| 2025 | 502 | 164 | 1.8% | 8.99% | #261 |
What South River Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most South River Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 114 | 33 | 3 | 2.6% |
| San Diego County | 45 | 9 | 1 | 2.2% |
| Orange County | 43 | 16 | 1 | 2.3% |
| San Bernardino County | 42 | 15 | 1 | 2.4% |
| Riverside County | 41 | 13 | 0 | 0.0% |
| Alameda County | 21 | 4 | 0 | 0.0% |
| Santa Clara County | 20 | 6 | 0 | 0.0% |
| Sacramento County | 19 | 7 | 0 | 0.0% |
| Kern County | 18 | 11 | 0 | 0.0% |
| San Mateo County | 12 | 6 | 1 | 8.3% |
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: 502 applications in 2025, of which 164 were originated and 9 denied.
1.8% of all applications, or 5.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans South River Mortgage originated in California in 2025 was 8.99%, against a statewide median of 6.63%.
About this data. Figures are South River 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