Manufacturers and Traders Trust in California vs the state
22.5%Denial rate+5.04 pts vs state
30.4%Decision denial rate+7.99 pts vs state
50.4%Origination rate-5.84 pts vs state
4.13%Median rate-2.50 pts vs state
0.08Rate spread (pts)-0.20 pts vs state
$149kMedian applicant income
139Loans originated
62Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 70 | 23.3% | 5.88% | #388 |
| 2024 | 173 | 97 | 15.6% | 5.38% | #365 |
| 2025 | 276 | 139 | 22.5% | 4.13% | #326 |
What Manufacturers and Traders Trust lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 36 | 21 | 1 | 2.8% |
| San Diego County | 36 | 23 | 6 | 16.7% |
| Riverside County | 32 | 14 | 8 | 25.0% |
| San Bernardino County | 22 | 10 | 4 | 18.2% |
| Sacramento County | 13 | 5 | 4 | 30.8% |
| Santa Clara County | 10 | 6 | 2 | 20.0% |
| Fresno County | 10 | 4 | 0 | 0.0% |
| Alameda County | 9 | 5 | 1 | 11.1% |
| Kern County | 9 | 4 | 4 | 44.4% |
| Ventura County | 7 | 5 | 1 | 14.3% |
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: 276 applications in 2025, of which 139 were originated and 62 denied.
22.5% of all applications, or 30.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Manufacturers and Traders Trust originated in California in 2025 was 4.13%, against a statewide median of 6.63%.
About this data. Figures are Manufacturers and Traders 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