Universal Lending in California vs the state
4.0%Denial rate-13.41 pts vs state
4.5%Decision denial rate-17.90 pts vs state
85.1%Origination rate+28.88 pts vs state
4.99%Median rate-1.63 pts vs state
-1.10Rate spread (pts)-1.38 pts vs state
$174kMedian applicant income
382Loans originated
18Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 18 | 13 | 0.0% | 5.50% | #642 |
| 2025 | 449 | 382 | 4.0% | 4.99% | #274 |
What Universal Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Universal Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 187 | 167 | 5 | 2.7% |
| Sacramento County | 152 | 127 | 5 | 3.3% |
| Placer County | 39 | 24 | 6 | 15.4% |
| Los Angeles County | 34 | 31 | 1 | 2.9% |
| El Dorado County | 14 | 11 | 1 | 7.1% |
| San Bernardino County | 9 | 9 | 0 | 0.0% |
| Orange County | 9 | 9 | 0 | 0.0% |
| San Joaquin County | 5 | 4 | 0 | 0.0% |
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: 449 applications in 2025, of which 382 were originated and 18 denied.
4.0% of all applications, or 4.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Universal Lending originated in California in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Universal Lending'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