Name of the lender

New Day Financial, LLC. in CaliforniaMortgage rates, total loan costs and denial rate for homes in California, 2025

HMDA year2025

StateCalifornia

Head office: West Palm Beach, FL
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

New Day Financial, LLC. reported 2,322 applications for homes in California in the HMDA data of 2025.

It originated 266 loans in the state in 2025, for $112 million in total.

The median interest rate of these loans in 2025 was 6.990%, and the median of all lenders in California was 6.375%.

The median total loan costs in 2025 were $16,412, and the state median was $8,053.

It denied 70.3% of the applications that it decided in the state in 2025, and the state denial rate was 22.4%.

Filed figures of New Day Financial, LLC. in California, 2025
Figure	In CA	Lender, all states	CA, all lenders
Applications	2,322	45,454	1,018,191
Loans originated	266	8,395	572,268
Median interest rate	6.990%	6.990%	6.375%
Median total loan costs	$16,412	$10,980	$8,053
Denial rate	70.3%	54.3%	22.4%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in CA

Pricing medians of New Day Financial, LLC. in California, 2025Each value has the median of all lenders in California under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in CA	266	6.990%CA 6.375%	$16,412CA $8,053	$10,968CA $2,357	$10,500CA $3,758	$6CA $1,535	0.773CA 0.082

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.773 percentage points above the average prime offer rate. On a loan of $300,000, that is about $2,319 more a year, or $193 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in California by the action taken
Action taken	Records	Share
1Loan originated	266	11.5%
2Application approved but not accepted	24	1.0%
3Application denied	687	29.6%
4Application withdrawn by applicant	1,140	49.1%
5File closed for incompleteness	205	8.8%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	1	0.0%

Applications in California by loan type
Loan type	Applications	Loans originated	Denial rate
FHA-insured	91	2	92.3%
VA-guaranteed	2,231	264	69.4%

Counties in California

Counties of New Day Financial, LLC. in California with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Contra Costa County	51	5	$1.6 million	n/a
Fresno County	100	19	$6.8 million	51.2%
Kern County	100	11	$3.6 million	67.6%
Los Angeles County	265	20	$9.3 million	80.6%
Madera County	28	3	$765,000	n/a
Merced County	37	2	$690,000	n/a
Monterey County	27	3	$1.6 million	n/a
Orange County	77	5	$3.5 million	81.3%
Riverside County	334	32	$15.7 million	75.6%
Sacramento County	141	20	$8.4 million	62.7%
San Bernardino County	224	35	$13.8 million	66.4%
San Diego County	227	33	$18.4 million	68.1%
San Joaquin County	70	7	$3.1 million	70.0%
Shasta County	32	3	$525,000	n/a
Solano County	60	5	$2.2 million	n/a
Stanislaus County	54	4	$1.5 million	n/a
Tulare County	59	16	$5.9 million	37.0%
Ventura County	48	5	$2.7 million	n/a

Figures by year

New Day Financial, LLC. in California by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	2,322	266	$112 million	6.990%	$16,412	70.3%
2024	2,153	179	$74.1 million	n/a	n/a	76.7%
2023	1,783	143	$56.3 million	n/a	n/a	75.4%
2022	4,427	474	$200 million	n/a	n/a	73.9%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "New Day Financial, LLC. in California: mortgage rates, 2025", https://lenderregister.com/lender/549300sucq1358egve89-new-day-financial-llc/ca/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in California. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of New Day Financial, LLC. were in California in 2025?: 266 of its loans originated, out of 8,395 in all states. That is 3.2%.
In which counties of California did New Day Financial, LLC. originate the most loans in 2025?: The three with the most loans were San Bernardino County (35), San Diego County (33) and Riverside County (32).
Which loan types did New Day Financial, LLC. originate in California in 2025?: 2 FHA and 264 VA.
How did the applications of New Day Financial, LLC. in California change from 2022 to 2025?: It reported 4,427 applications in 2022 and 2,322 in 2025.