Farmers Bank & Trust in California vs the state
8.0%Denial rate-9.38 pts vs state
15.3%Decision denial rate-7.15 pts vs state
39.3%Origination rate-16.91 pts vs state
6.38%Median rate-0.25 pts vs state
-0.12Rate spread (pts)-0.39 pts vs state
$244kMedian applicant income
88Loans originated
18Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 53 | 6.8% | 6.25% | #390 |
| 2024 | 229 | 99 | 6.6% | 6.49% | #331 |
| 2025 | 224 | 88 | 8.0% | 6.38% | #352 |
What Farmers Bank & Trust lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 47 | 14 | 7 | 14.9% |
| San Diego County | 32 | 10 | 0 | 0.0% |
| Orange County | 21 | 8 | 3 | 14.3% |
| Alameda County | 17 | 7 | 1 | 5.9% |
| Santa Clara County | 13 | 4 | 0 | 0.0% |
| Sacramento County | 11 | 3 | 0 | 0.0% |
| Riverside County | 10 | 5 | 3 | 30.0% |
| Contra Costa County | 9 | 6 | 0 | 0.0% |
| San Francisco County | 7 | 4 | 0 | 0.0% |
| Placer County | 6 | 3 | 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: 224 applications in 2025, of which 88 were originated and 18 denied.
8.0% of all applications, or 15.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Farmers Bank & Trust originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Farmers Bank & Trust'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