The Tax Lady in California vs the state
26.0%Denial rate+8.61 pts vs state
29.5%Decision denial rate+7.10 pts vs state
62.2%Origination rate+5.99 pts vs state
6.49%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$112kMedian applicant income
227Loans originated
95Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 563 | 354 | 22.4% | 5.88% | #206 |
| 2024 | 429 | 230 | 29.1% | 6.75% | #266 |
| 2025 | 365 | 227 | 26.0% | 6.49% | #297 |
What The Tax Lady lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most The Tax Lady applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 303 | 188 | 78 | 25.7% |
| San Bernardino County | 28 | 16 | 7 | 25.0% |
| Los Angeles County | 12 | 11 | 1 | 8.3% |
| Imperial County | 8 | 1 | 7 | 87.5% |
| Orange County | 5 | 5 | 0 | 0.0% |
| San Diego County | 2 | 2 | 0 | 0.0% |
| Humboldt County | 1 | 1 | 0 | 0.0% |
| Alameda County | 1 | 1 | 0 | 0.0% |
| San Joaquin County | 1 | 0 | 0 | 0.0% |
| Contra Costa County | 1 | 0 | 1 | 100.0% |
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: 365 applications in 2025, of which 227 were originated and 95 denied.
26.0% of all applications, or 29.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans The Tax Lady originated in California in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are The Tax Lady'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