Strong Home Mortgage in California vs the state
9.4%Denial rate-8.00 pts vs state
16.5%Decision denial rate-5.94 pts vs state
47.8%Origination rate-8.37 pts vs state
6.49%Median rate-0.13 pts vs state
0.03Rate spread (pts)-0.24 pts vs state
$195kMedian applicant income
66Loans originated
13Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 45 | 9.3% | 6.49% | #425 |
| 2024 | 52 | 29 | 1.9% | 6.50% | #523 |
| 2025 | 138 | 66 | 9.4% | 6.49% | #403 |
What Strong Home Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Strong Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 25 | 14 | 5 | 20.0% |
| San Diego County | 14 | 8 | 2 | 14.3% |
| Orange County | 11 | 4 | 0 | 0.0% |
| San Bernardino County | 9 | 5 | 1 | 11.1% |
| Riverside County | 9 | 5 | 1 | 11.1% |
| Sacramento County | 8 | 3 | 1 | 12.5% |
| San Joaquin County | 7 | 2 | 0 | 0.0% |
| Alameda County | 7 | 2 | 0 | 0.0% |
| Placer County | 4 | 1 | 0 | 0.0% |
| Solano County | 4 | 2 | 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: 138 applications in 2025, of which 66 were originated and 13 denied.
9.4% of all applications, or 16.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Strong Home Mortgage originated in California in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Strong Home 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