Bank of Marin in California vs the state
20.8%Denial rate+3.39 pts vs state
21.8%Decision denial rate-0.58 pts vs state
69.7%Origination rate+13.45 pts vs state
—Median rate
—Rate spread (pts)
$273kMedian applicant income
241Loans originated
72Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 298 | 201 | 18.1% | — | #289 |
| 2024 | 332 | 218 | 22.3% | — | #291 |
| 2025 | 346 | 241 | 20.8% | — | #303 |
What Bank of Marin lends in California
By loan purpose
By loan type
Where in California
Counties with the most Bank of Marin applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marin County | 129 | 88 | 26 | 20.2% |
| Sonoma County | 63 | 42 | 15 | 23.8% |
| Alameda County | 35 | 22 | 10 | 28.6% |
| Napa County | 32 | 25 | 5 | 15.6% |
| San Francisco County | 26 | 21 | 3 | 11.5% |
| Sacramento County | 14 | 12 | 2 | 14.3% |
| Amador County | 11 | 5 | 3 | 27.3% |
| Placer County | 10 | 7 | 2 | 20.0% |
| El Dorado County | 7 | 5 | 2 | 28.6% |
| Contra Costa County | 6 | 3 | 3 | 50.0% |
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: 346 applications in 2025, of which 241 were originated and 72 denied.
20.8% of all applications, or 21.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Marin'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