MidFirst Bank in California vs the state
6.1%Denial rate-11.31 pts vs state
6.9%Decision denial rate-15.48 pts vs state
81.7%Origination rate+25.48 pts vs state
6.25%Median rate-0.38 pts vs state
-0.42Rate spread (pts)-0.69 pts vs state
$282kMedian applicant income
535Loans originated
40Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 420 | 315 | 8.1% | 6.87% | #247 |
| 2024 | 474 | 372 | 9.5% | 7.87% | #251 |
| 2025 | 655 | 535 | 6.1% | 6.25% | #217 |
What MidFirst Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most MidFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 489 | 395 | 33 | 6.7% |
| Santa Barbara County | 51 | 44 | 2 | 3.9% |
| Orange County | 36 | 31 | 2 | 5.6% |
| San Diego County | 18 | 14 | 0 | 0.0% |
| Riverside County | 9 | 7 | 0 | 0.0% |
| Ventura County | 8 | 5 | 2 | 25.0% |
| San Francisco County | 5 | 5 | 0 | 0.0% |
| Marin County | 5 | 3 | 0 | 0.0% |
| San Bernardino County | 4 | 4 | 0 | 0.0% |
| San Luis Obispo County | 4 | 4 | 0 | 0.0% |
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: 655 applications in 2025, of which 535 were originated and 40 denied.
6.1% of all applications, or 6.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans MidFirst Bank originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are MidFirst 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