Ixonia Bank in California vs the state
5.3%Denial rate-12.16 pts vs state
7.7%Decision denial rate-14.71 pts vs state
63.2%Origination rate+6.96 pts vs state
7.06%Median rate+0.44 pts vs state
0.54Rate spread (pts)+0.26 pts vs state
$182kMedian applicant income
24Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 29 | 10.5% | 6.75% | #479 |
| 2024 | 35 | 16 | 14.3% | 7.06% | #572 |
| 2025 | 38 | 24 | 5.3% | 7.06% | #560 |
What Ixonia Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 6 | 5 | 0 | 0.0% |
| Los Angeles County | 6 | 2 | 0 | 0.0% |
| Riverside County | 5 | 2 | 0 | 0.0% |
| San Diego County | 5 | 2 | 1 | 20.0% |
| San Bernardino County | 4 | 4 | 0 | 0.0% |
| Sonoma County | 2 | 1 | 0 | 0.0% |
| Nevada County | 2 | 2 | 0 | 0.0% |
| Alameda County | 2 | 2 | 0 | 0.0% |
| Lassen County | 2 | 2 | 0 | 0.0% |
| Placer County | 1 | 0 | 1 | 100.0% |
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: 38 applications in 2025, of which 24 were originated and 2 denied.
5.3% 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 Ixonia Bank originated in California in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are Ixonia 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