El Dorado Savings Bank in California vs the state
17.1%Denial rate-0.34 pts vs state
20.4%Decision denial rate-1.99 pts vs state
62.9%Origination rate+6.67 pts vs state
—Median rate
—Rate spread (pts)
$124kMedian applicant income
254Loans originated
69Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 64 | 11.9% | 5.75% | #437 |
| 2024 | 113 | 53 | 17.7% | — | #423 |
| 2025 | 404 | 254 | 17.1% | — | #287 |
What El Dorado Savings Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most El Dorado Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Dorado County | 143 | 89 | 34 | 23.8% |
| Sacramento County | 107 | 74 | 10 | 9.3% |
| Calaveras County | 31 | 16 | 4 | 12.9% |
| Tuolumne County | 30 | 22 | 6 | 20.0% |
| Amador County | 30 | 16 | 7 | 23.3% |
| Nevada County | 28 | 18 | 2 | 7.1% |
| Placer County | 26 | 13 | 5 | 19.2% |
| Inyo County | 9 | 6 | 1 | 11.1% |
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: 404 applications in 2025, of which 254 were originated and 69 denied.
17.1% of all applications, or 20.4% 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 El Dorado Savings 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