Total Mortgage Services in California vs the state
18.2%Denial rate+0.76 pts vs state
25.0%Decision denial rate+2.60 pts vs state
54.6%Origination rate-1.65 pts vs state
7.06%Median rate+0.43 pts vs state
0.42Rate spread (pts)+0.15 pts vs state
$300kMedian applicant income
6Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 17 | 6.1% | 6.99% | #593 |
| 2024 | 39 | 16 | 7.7% | 7.31% | #559 |
| 2025 | 11 | 6 | 18.2% | 7.06% | #721 |
What Total Mortgage Services lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 5 | 2 | 0 | 0.0% |
| Solano County | 2 | 1 | 1 | 50.0% |
| Sacramento County | 2 | 2 | 0 | 0.0% |
| Santa Cruz County | 1 | 1 | 0 | 0.0% |
| Orange 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: 11 applications in 2025, of which 6 were originated and 2 denied.
18.2% of all applications, or 25.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Total Mortgage Services originated in California in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are Total Mortgage Services'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