Stg Mortgage in California vs the state
7.5%Denial rate-9.96 pts vs state
10.9%Decision denial rate-11.53 pts vs state
55.4%Origination rate-0.83 pts vs state
6.63%Median rate0.00 pts vs state
0.31Rate spread (pts)+0.04 pts vs state
$194kMedian applicant income
928Loans originated
125Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 590 | 359 | 3.1% | 7.13% | #200 |
| 2024 | 1,360 | 791 | 7.4% | 6.75% | #127 |
| 2025 | 1,676 | 928 | 7.5% | 6.63% | #120 |
What Stg Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Stg Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 378 | 197 | 31 | 8.2% |
| San Diego County | 254 | 142 | 16 | 6.3% |
| Riverside County | 152 | 81 | 9 | 5.9% |
| Orange County | 141 | 70 | 12 | 8.5% |
| San Bernardino County | 115 | 58 | 16 | 13.9% |
| Sonoma County | 87 | 56 | 4 | 4.6% |
| Ventura County | 71 | 46 | 2 | 2.8% |
| Sacramento County | 55 | 30 | 2 | 3.6% |
| Contra Costa County | 52 | 37 | 0 | 0.0% |
| Alameda County | 50 | 28 | 5 | 10.0% |
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: 1,676 applications in 2025, of which 928 were originated and 125 denied.
7.5% of all applications, or 10.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Stg Mortgage originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Stg 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