Citizens Bank in California vs the state
6.4%Denial rate-11.00 pts vs state
7.7%Decision denial rate-14.66 pts vs state
75.6%Origination rate+19.41 pts vs state
5.75%Median rate-0.88 pts vs state
-0.18Rate spread (pts)-0.45 pts vs state
$658kMedian applicant income
589Loans originated
50Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 557 | 375 | 26.6% | 6.63% | #209 |
| 2024 | 326 | 216 | 11.0% | 6.13% | #295 |
| 2025 | 779 | 589 | 6.4% | 5.75% | #196 |
What Citizens Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Francisco County | 162 | 126 | 3 | 1.9% |
| Los Angeles County | 139 | 98 | 13 | 9.4% |
| San Diego County | 130 | 102 | 8 | 6.2% |
| San Mateo County | 69 | 57 | 4 | 5.8% |
| Marin County | 63 | 44 | 5 | 7.9% |
| Orange County | 59 | 40 | 9 | 15.3% |
| Alameda County | 30 | 24 | 0 | 0.0% |
| Santa Clara County | 29 | 27 | 0 | 0.0% |
| Contra Costa County | 20 | 16 | 1 | 5.0% |
| Sonoma County | 17 | 13 | 1 | 5.9% |
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: 779 applications in 2025, of which 589 were originated and 50 denied.
6.4% of all applications, or 7.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Citizens Bank originated in California in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Citizens 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