Zillow Home Loans in California vs the state
5.9%Denial rate-11.54 pts vs state
7.8%Decision denial rate-14.62 pts vs state
68.5%Origination rate+12.29 pts vs state
6.38%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$163kMedian applicant income
1,176Loans originated
101Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 360 | 243 | 7.2% | 6.63% | #267 |
| 2024 | 1,180 | 845 | 5.0% | 6.50% | #140 |
| 2025 | 1,717 | 1,176 | 5.9% | 6.38% | #117 |
What Zillow Home Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 416 | 267 | 30 | 7.2% |
| San Diego County | 265 | 188 | 7 | 2.6% |
| Riverside County | 216 | 145 | 16 | 7.4% |
| Orange County | 157 | 108 | 14 | 8.9% |
| San Bernardino County | 134 | 88 | 7 | 5.2% |
| Sacramento County | 131 | 90 | 5 | 3.8% |
| Kern County | 44 | 33 | 4 | 9.1% |
| Santa Clara County | 34 | 26 | 3 | 8.8% |
| Contra Costa County | 32 | 24 | 4 | 12.5% |
| El Dorado County | 31 | 19 | 1 | 3.2% |
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: 1,717 applications in 2025, of which 1,176 were originated and 101 denied.
5.9% of all applications, or 7.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Zillow Home Loans originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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