Bison State Bank in California vs the state
1.1%Denial rate-16.30 pts vs state
1.8%Decision denial rate-20.61 pts vs state
61.8%Origination rate+5.60 pts vs state
6.13%Median rate-0.50 pts vs state
-0.07Rate spread (pts)-0.34 pts vs state
$262kMedian applicant income
55Loans originated
1Denied
What Bison State Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Bison State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 15 | 9 | 1 | 6.7% |
| Alameda County | 11 | 8 | 0 | 0.0% |
| Orange County | 10 | 5 | 0 | 0.0% |
| Riverside County | 9 | 6 | 0 | 0.0% |
| San Diego County | 7 | 3 | 0 | 0.0% |
| San Bernardino County | 5 | 3 | 0 | 0.0% |
| San Joaquin County | 4 | 3 | 0 | 0.0% |
| San Mateo County | 4 | 1 | 0 | 0.0% |
| San Francisco County | 4 | 2 | 0 | 0.0% |
| Contra Costa County | 3 | 2 | 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: 89 applications in 2025, of which 55 were originated and 1 denied.
1.1% of all applications, or 1.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Bison State Bank originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Bison State 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