Union Home Mortgage in California vs the state
7.1%Denial rate-10.37 pts vs state
8.9%Decision denial rate-13.53 pts vs state
67.1%Origination rate+10.89 pts vs state
6.13%Median rate-0.50 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$150kMedian applicant income
942Loans originated
99Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 276 | 179 | 2.2% | 6.63% | #300 |
| 2024 | 509 | 294 | 11.0% | 6.63% | #240 |
| 2025 | 1,404 | 942 | 7.1% | 6.13% | #135 |
What Union Home Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 202 | 124 | 21 | 10.4% |
| Sacramento County | 99 | 69 | 2 | 2.0% |
| Riverside County | 96 | 62 | 9 | 9.4% |
| San Diego County | 95 | 62 | 3 | 3.2% |
| Kern County | 78 | 49 | 5 | 6.4% |
| Orange County | 78 | 52 | 8 | 10.3% |
| Contra Costa County | 76 | 52 | 4 | 5.3% |
| Fresno County | 59 | 38 | 8 | 13.6% |
| Alameda County | 58 | 38 | 2 | 3.4% |
| San Joaquin County | 56 | 34 | 3 | 5.4% |
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: 1,404 applications in 2025, of which 942 were originated and 99 denied.
7.1% of all applications, or 8.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Union Home Mortgage originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Union 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