CIBC Bank USA in California vs the state
4.8%Denial rate-12.66 pts vs state
5.3%Decision denial rate-17.14 pts vs state
85.7%Origination rate+29.51 pts vs state
6.38%Median rate-0.25 pts vs state
0.12Rate spread (pts)-0.16 pts vs state
$146kMedian applicant income
36Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 19 | 4.8% | 5.50% | #641 |
| 2024 | 24 | 19 | 8.3% | 6.13% | #617 |
| 2025 | 42 | 36 | 4.8% | 6.38% | #546 |
What CIBC Bank USA lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most CIBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Francisco County | 22 | 19 | 2 | 9.1% |
| Los Angeles County | 7 | 4 | 0 | 0.0% |
| Riverside County | 4 | 4 | 0 | 0.0% |
| San Diego County | 4 | 4 | 0 | 0.0% |
| Santa Clara County | 2 | 2 | 0 | 0.0% |
| San Mateo County | 1 | 1 | 0 | 0.0% |
| Placer County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 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: 42 applications in 2025, of which 36 were originated and 2 denied.
4.8% 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 CIBC Bank USA originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are CIBC Bank USA'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