Murphy Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
26th16.9% deniedProcesswithdrawn + incomplete share, weight 15%
93rd1.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 124 | 54 | 27.4% | 27.6% | 8.90% | $8.9M |
| 2024 | 129 | 68 | 20.2% | 20.3% | 8.60% | $12M |
| 2025 | 180 | 97 | 16.7% | 16.9% | 7.95% | $22M |
What Murphy Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 178 manufactured homes, 6 investment properties.
Who gets approved at Murphy Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 54 | 27 | 22.6% |
| $100k – $150k | 48 | 27 | 12.8% |
| $150k – $250k | 53 | 32 | 13.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 55–64 | 48 | 30 | 6.4% |
| 65–74 | 49 | 26 | 14.3% |
| Over 74 | 32 | 20 | 25.8% |
Where Murphy Bank lends
1 states and 21 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 180 | 97 | 16.7% | 7.95% | #379 |
Frequently asked questions
Murphy Bank denied 16.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 26th percentile of small mortgage lenders.
The median interest rate on loans Murphy Bank originated in 2025 was 7.95%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 87% of its applications were for home purchases, 6% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.