Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.

21.7%

of FHA applications denied statewide in CA, 2025 · national 22.1%

This market's lenders → Which lenders approve most → Apply to more than one? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch

One finding a week from the federal mortgage record.

One chart, three paragraphs, every Saturday. Measured, not assumed.

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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.