BNY Mellon in California vs the state
4.9%Denial rate-12.54 pts vs state
5.3%Decision denial rate-17.07 pts vs state
80.5%Origination rate+24.29 pts vs state
5.88%Median rate-0.75 pts vs state
-0.21Rate spread (pts)-0.48 pts vs state
$622kMedian applicant income
66Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 77 | 11.8% | 5.88% | #420 |
| 2024 | 75 | 55 | 6.7% | 6.25% | #480 |
| 2025 | 82 | 66 | 4.9% | 5.88% | #468 |
What BNY Mellon lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most BNY Mellon applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 22 | 16 | 1 | 4.5% |
| Orange County | 12 | 8 | 1 | 8.3% |
| San Diego County | 8 | 6 | 0 | 0.0% |
| San Francisco County | 6 | 5 | 1 | 16.7% |
| San Mateo County | 5 | 3 | 0 | 0.0% |
| Monterey County | 3 | 3 | 0 | 0.0% |
| Riverside County | 3 | 3 | 0 | 0.0% |
| Sonoma County | 3 | 3 | 0 | 0.0% |
| Marin County | 3 | 3 | 0 | 0.0% |
| Alameda County | 2 | 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: 82 applications in 2025, of which 66 were originated and 4 denied.
4.9% of all applications, or 5.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans BNY Mellon originated in California in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are BNY Mellon'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