Armed Forces Bank in California vs the state
13.1%Denial rate-4.29 pts vs state
21.0%Decision denial rate-1.43 pts vs state
48.5%Origination rate-7.72 pts vs state
6.13%Median rate-0.50 pts vs state
-0.47Rate spread (pts)-0.74 pts vs state
$146kMedian applicant income
48Loans originated
13Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 18 | 11.1% | 6.25% | #583 |
| 2024 | 82 | 35 | 15.9% | 6.25% | #466 |
| 2025 | 99 | 48 | 13.1% | 6.13% | #441 |
What Armed Forces Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Armed Forces Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 14 | 6 | 3 | 21.4% |
| Riverside County | 12 | 5 | 2 | 16.7% |
| Butte County | 11 | 7 | 1 | 9.1% |
| San Diego County | 8 | 4 | 0 | 0.0% |
| San Bernardino County | 7 | 3 | 3 | 42.9% |
| Orange County | 5 | 3 | 0 | 0.0% |
| Sacramento County | 5 | 3 | 1 | 20.0% |
| Alameda County | 4 | 2 | 0 | 0.0% |
| Kern County | 3 | 1 | 0 | 0.0% |
| Placer County | 3 | 0 | 0 | 0.0% |
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: 99 applications in 2025, of which 48 were originated and 13 denied.
13.1% of all applications, or 21.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Armed Forces Bank originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Armed Forces Bank'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