V.i.p. Mortgage in California vs the state
2.9%Denial rate-14.53 pts vs state
4.0%Decision denial rate-18.45 pts vs state
69.8%Origination rate+13.63 pts vs state
6.63%Median rate0.00 pts vs state
0.33Rate spread (pts)+0.05 pts vs state
$152kMedian applicant income
169Loans originated
7Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 41 | 4.8% | 6.99% | #513 |
| 2024 | 132 | 93 | 2.3% | 6.63% | #399 |
| 2025 | 242 | 169 | 2.9% | 6.63% | #337 |
What V.i.p. Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 46 | 27 | 3 | 6.5% |
| Los Angeles County | 32 | 21 | 0 | 0.0% |
| Santa Barbara County | 26 | 22 | 0 | 0.0% |
| Riverside County | 16 | 13 | 0 | 0.0% |
| San Bernardino County | 15 | 10 | 1 | 6.7% |
| San Luis Obispo County | 15 | 13 | 0 | 0.0% |
| Kern County | 14 | 12 | 1 | 7.1% |
| Sacramento County | 14 | 8 | 2 | 14.3% |
| Orange County | 11 | 7 | 0 | 0.0% |
| Ventura County | 10 | 6 | 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: 242 applications in 2025, of which 169 were originated and 7 denied.
2.9% of all applications, or 4.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans V.i.p. Mortgage originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are V.i.p. 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