Citizens Business Bank in California vs the state
3.5%Denial rate-13.94 pts vs state
5.0%Decision denial rate-17.40 pts vs state
63.5%Origination rate+7.28 pts vs state
—Median rate
—Rate spread (pts)
$596kMedian applicant income
73Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 55 | 13.9% | — | #438 |
| 2024 | 68 | 34 | 10.3% | — | #494 |
| 2025 | 115 | 73 | 3.5% | — | #419 |
What Citizens Business Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Citizens Business Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 40 | 26 | 1 | 2.5% |
| Fresno County | 12 | 9 | 0 | 0.0% |
| Orange County | 11 | 7 | 0 | 0.0% |
| San Luis Obispo County | 6 | 3 | 0 | 0.0% |
| San Bernardino County | 6 | 3 | 0 | 0.0% |
| Kern County | 5 | 3 | 1 | 20.0% |
| San Diego County | 5 | 5 | 0 | 0.0% |
| San Joaquin County | 4 | 2 | 0 | 0.0% |
| Stanislaus County | 4 | 1 | 2 | 50.0% |
| Ventura County | 4 | 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: 115 applications in 2025, of which 73 were originated and 4 denied.
3.5% of all applications, or 5.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens Business 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