Wilmington Savings Fund Society in California vs the state
12.1%Denial rate-5.30 pts vs state
13.8%Decision denial rate-8.61 pts vs state
71.2%Origination rate+15.01 pts vs state
7.25%Median rate+0.63 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$176kMedian applicant income
47Loans originated
8Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 7 | 0.0% | 6.50% | #764 |
| 2024 | 11 | 9 | 18.2% | 6.50% | #709 |
| 2025 | 66 | 47 | 12.1% | 7.25% | #495 |
What Wilmington Savings Fund Society lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Wilmington Savings Fund Society applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 8 | 7 | 0 | 0.0% |
| Orange County | 8 | 8 | 0 | 0.0% |
| Los Angeles County | 7 | 5 | 1 | 14.3% |
| San Diego County | 6 | 5 | 1 | 16.7% |
| Stanislaus County | 5 | 4 | 0 | 0.0% |
| Kern County | 4 | 3 | 0 | 0.0% |
| Santa Barbara County | 3 | 3 | 0 | 0.0% |
| Santa Clara County | 3 | 1 | 0 | 0.0% |
| Sacramento County | 3 | 1 | 1 | 33.3% |
| San Joaquin County | 2 | 0 | 2 | 100.0% |
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: 66 applications in 2025, of which 47 were originated and 8 denied.
12.1% of all applications, or 13.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Wilmington Savings Fund Society originated in California in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Wilmington Savings Fund Society'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