Banner Bank in California vs the state
42.5%Denial rate+25.06 pts vs state
46.4%Decision denial rate+23.95 pts vs state
47.1%Origination rate-9.06 pts vs state
7.50%Median rate+0.88 pts vs state
0.70Rate spread (pts)+0.43 pts vs state
$170kMedian applicant income
627Loans originated
565Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,318 | 523 | 47.2% | 9.24% | #112 |
| 2024 | 1,438 | 621 | 45.6% | 8.99% | #117 |
| 2025 | 1,330 | 627 | 42.5% | 7.50% | #142 |
What Banner Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Banner Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 318 | 157 | 129 | 40.6% |
| Los Angeles County | 195 | 74 | 106 | 54.4% |
| Riverside County | 156 | 85 | 60 | 38.5% |
| San Bernardino County | 146 | 53 | 76 | 52.1% |
| Sacramento County | 90 | 47 | 37 | 41.1% |
| Siskiyou County | 66 | 40 | 17 | 25.8% |
| Tehama County | 48 | 25 | 17 | 35.4% |
| Placer County | 47 | 26 | 21 | 44.7% |
| El Dorado County | 32 | 13 | 15 | 46.9% |
| Nevada County | 32 | 13 | 14 | 43.8% |
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: 1,330 applications in 2025, of which 627 were originated and 565 denied.
42.5% of all applications, or 46.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Banner Bank originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Banner 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