UIF in California vs the state
10.3%Denial rate-7.14 pts vs state
13.6%Decision denial rate-8.82 pts vs state
65.4%Origination rate+9.22 pts vs state
6.88%Median rate+0.25 pts vs state
0.44Rate spread (pts)+0.17 pts vs state
$209kMedian applicant income
70Loans originated
11Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 72 | 1.0% | 7.13% | #451 |
| 2024 | 90 | 52 | 5.6% | 7.06% | #453 |
| 2025 | 107 | 70 | 10.3% | 6.88% | #433 |
What UIF lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most UIF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Alameda County | 20 | 12 | 4 | 20.0% |
| San Joaquin County | 13 | 9 | 1 | 7.7% |
| Sacramento County | 10 | 7 | 0 | 0.0% |
| Los Angeles County | 8 | 4 | 1 | 12.5% |
| San Diego County | 8 | 5 | 1 | 12.5% |
| Contra Costa County | 8 | 6 | 0 | 0.0% |
| Riverside County | 8 | 7 | 0 | 0.0% |
| Orange County | 6 | 3 | 1 | 16.7% |
| Santa Clara County | 6 | 5 | 1 | 16.7% |
| San Bernardino County | 5 | 3 | 1 | 20.0% |
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: 107 applications in 2025, of which 70 were originated and 11 denied.
10.3% of all applications, or 13.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans UIF originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are UIF'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