Fremont Bank in California vs the state
29.5%Denial rate+12.03 pts vs state
33.5%Decision denial rate+11.10 pts vs state
56.7%Origination rate+0.49 pts vs state
8.25%Median rate+1.63 pts vs state
0.99Rate spread (pts)+0.72 pts vs state
$203kMedian applicant income
1,954Loans originated
1,015Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,435 | 1,515 | 22.3% | 9.00% | #68 |
| 2024 | 3,203 | 1,885 | 26.8% | 9.25% | #57 |
| 2025 | 3,447 | 1,954 | 29.5% | 8.25% | #59 |
What Fremont Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Fremont Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Alameda County | 1,164 | 705 | 313 | 26.9% |
| Contra Costa County | 666 | 406 | 182 | 27.3% |
| Santa Clara County | 449 | 268 | 114 | 25.4% |
| San Mateo County | 172 | 88 | 54 | 31.4% |
| San Joaquin County | 131 | 58 | 52 | 39.7% |
| San Francisco County | 110 | 55 | 37 | 33.6% |
| Sacramento County | 97 | 45 | 29 | 29.9% |
| Monterey County | 80 | 50 | 18 | 22.5% |
| Los Angeles County | 57 | 25 | 27 | 47.4% |
| Marin County | 55 | 23 | 21 | 38.2% |
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: 3,447 applications in 2025, of which 1,954 were originated and 1,015 denied.
29.5% of all applications, or 33.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Fremont Bank originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Fremont 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