Lender in California · HMDA 2025
Rate mortgages in California
Rate's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Rate originated 4,444 owner-occupied single-family loans in California from 4,725 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $7,670 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
4,444
of 4,725 applications
Denial rate
3.2%
Purchase · CA 8.9%
Rate spread
+0.16 pts
Conv. · CA +0.09 pts
Loan amount
$595,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 3,314 | 3,176 | 3.2% | 6.625% | +0.16 pts | $7,670 | $595,000 |
| Refinance | 932 | 874 | 4.4% | 6.375% | +0.01 pts | $4,620 | $755,000 |
| Cash-out refinance | 479 | 394 | 16.9% | 6.750% | +0.28 pts | $5,160 | $465,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Rate ranks in the top 25
Showing the 30 counties where it ranks highest, of 39.
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Luis Obispo County | 2 | 315 | 13.3% |
| Santa Barbara County | 2 | 178 | 6.6% |
| Colusa County | 2 | 15 | 10.1% |
| Napa County | 3 | 57 | 6.1% |
| Glenn County | 3 | 13 | 6.5% |
| Monterey County | 4 | 87 | 3.9% |
| Merced County | 5 | 91 | 4.1% |
| Butte County | 7 | 59 | 3.1% |
| Stanislaus County | 8 | 141 | 3.0% |
| Tuolumne County | 8 | 10 | 1.8% |
| San Francisco County | 9 | 127 | 2.5% |
| San Joaquin County | 10 | 139 | 1.7% |
| Sonoma County | 10 | 80 | 1.9% |
| Marin County | 10 | 52 | 2.3% |
| San Mateo County | 11 | 115 | 1.9% |
| Siskiyou County | 11 | 7 | 1.9% |
| Santa Cruz County | 12 | 27 | 1.6% |
| San Diego County | 13 | 388 | 1.4% |
| San Bernardino County | 13 | 261 | 1.3% |
| Alameda County | 13 | 176 | 1.3% |
| Mariposa County | 13 | 3 | 2.1% |
| Contra Costa County | 14 | 182 | 1.5% |
| Ventura County | 14 | 104 | 1.6% |
| Calaveras County | 15 | 9 | 1.5% |
| Orange County | 16 | 254 | 1.2% |
| Lake County | 16 | 8 | 1.4% |
| Modoc County | 16 | 1 | 2.3% |
| Los Angeles County | 17 | 621 | 1.2% |
| Riverside County | 17 | 329 | 1.2% |
| San Benito County | 17 | 9 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology