Liberty Bank and Trust in California vs the state
50.0%Denial rate+32.58 pts vs state
50.0%Decision denial rate+27.60 pts vs state
50.0%Origination rate-6.20 pts vs state
—Median rate
—Rate spread (pts)
$496kMedian applicant income
3Loans originated
3Denied
What Liberty Bank and Trust lends in California
By loan purpose
By loan type
Where in California
Counties with the most Liberty Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 2 | 1 | 1 | 50.0% |
| Solano County | 1 | 0 | 1 | 100.0% |
| Riverside County | 1 | 1 | 0 | 0.0% |
| Alameda County | 1 | 1 | 0 | 0.0% |
| Sacramento 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: 6 applications in 2025, of which 3 were originated and 3 denied.
50.0% of all applications, or 50.0% 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 Liberty Bank and 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