Leader Bank in California vs the state
5.8%Denial rate-11.67 pts vs state
7.5%Decision denial rate-14.94 pts vs state
66.7%Origination rate+10.47 pts vs state
6.25%Median rate-0.38 pts vs state
-0.03Rate spread (pts)-0.31 pts vs state
$282kMedian applicant income
58Loans originated
5Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 13 | 16.7% | 6.75% | #628 |
| 2024 | 46 | 29 | 6.5% | 6.50% | #536 |
| 2025 | 87 | 58 | 5.8% | 6.25% | #462 |
What Leader Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Leader Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 15 | 11 | 1 | 6.7% |
| San Diego County | 14 | 11 | 1 | 7.1% |
| San Mateo County | 6 | 5 | 0 | 0.0% |
| Riverside County | 6 | 3 | 1 | 16.7% |
| Santa Clara County | 5 | 4 | 0 | 0.0% |
| Alameda County | 5 | 2 | 0 | 0.0% |
| Orange County | 4 | 3 | 0 | 0.0% |
| San Francisco County | 4 | 3 | 0 | 0.0% |
| Sacramento County | 4 | 3 | 0 | 0.0% |
| Sonoma County | 3 | 0 | 1 | 33.3% |
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: 87 applications in 2025, of which 58 were originated and 5 denied.
5.8% of all applications, or 7.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Leader Bank originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Leader 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