Vision One Mortgage in California vs the state
20.3%Denial rate+2.89 pts vs state
22.8%Decision denial rate+0.44 pts vs state
68.6%Origination rate+12.38 pts vs state
6.63%Median rate0.00 pts vs state
0.75Rate spread (pts)+0.48 pts vs state
$143kMedian applicant income
179Loans originated
53Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 297 | 217 | 23.6% | 6.63% | #290 |
| 2024 | 229 | 132 | 27.5% | 6.63% | #332 |
| 2025 | 261 | 179 | 20.3% | 6.63% | #331 |
What Vision One Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Vision One Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 105 | 68 | 24 | 22.9% |
| Riverside County | 60 | 47 | 7 | 11.7% |
| Orange County | 34 | 26 | 6 | 17.6% |
| San Bernardino County | 34 | 22 | 9 | 26.5% |
| San Diego County | 7 | 5 | 0 | 0.0% |
| Kern County | 6 | 5 | 1 | 16.7% |
| Imperial County | 5 | 0 | 4 | 80.0% |
| Ventura County | 2 | 1 | 0 | 0.0% |
| Marin County | 2 | 2 | 0 | 0.0% |
| Santa Barbara County | 2 | 1 | 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: 261 applications in 2025, of which 179 were originated and 53 denied.
20.3% of all applications, or 22.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Vision One Mortgage originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Vision One 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