Traditional Mortgage Acceptance in California vs the state
11.7%Denial rate-5.75 pts vs state
13.1%Decision denial rate-9.26 pts vs state
75.5%Origination rate+19.28 pts vs state
6.00%Median rate-0.63 pts vs state
—Rate spread (pts)
$32kMedian applicant income
317Loans originated
49Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 226 | 191 | 8.4% | 7.40% | #328 |
| 2024 | 427 | 339 | 9.4% | 6.81% | #267 |
| 2025 | 420 | 317 | 11.7% | 6.00% | #282 |
What Traditional Mortgage Acceptance lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 71 | 50 | 8 | 11.3% |
| San Diego County | 70 | 45 | 11 | 15.7% |
| Riverside County | 36 | 31 | 2 | 5.6% |
| San Bernardino County | 35 | 27 | 5 | 14.3% |
| Orange County | 34 | 30 | 1 | 2.9% |
| Santa Clara County | 24 | 18 | 2 | 8.3% |
| Sacramento County | 16 | 11 | 3 | 18.8% |
| Kern County | 14 | 9 | 4 | 28.6% |
| Ventura County | 13 | 9 | 3 | 23.1% |
| Alameda County | 12 | 10 | 2 | 16.7% |
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: 420 applications in 2025, of which 317 were originated and 49 denied.
11.7% of all applications, or 13.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Traditional Mortgage Acceptance originated in California in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Traditional Mortgage Acceptance'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