Murphy Bank in California vs the state
16.7%Denial rate-0.75 pts vs state
16.9%Decision denial rate-5.55 pts vs state
53.9%Origination rate-2.31 pts vs state
7.95%Median rate+1.33 pts vs state
—Rate spread (pts)
$128kMedian applicant income
97Loans originated
30Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 54 | 27.4% | 8.90% | #402 |
| 2024 | 129 | 68 | 20.2% | 8.60% | #404 |
| 2025 | 180 | 97 | 16.7% | 7.95% | #379 |
What Murphy Bank lends in California
By loan purpose
By loan type
Where in California
Counties with the most Murphy Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Luis Obispo County | 57 | 37 | 6 | 10.5% |
| Santa Barbara County | 28 | 17 | 5 | 17.9% |
| Fresno County | 15 | 7 | 3 | 20.0% |
| Santa Cruz County | 11 | 7 | 0 | 0.0% |
| Riverside County | 11 | 2 | 2 | 18.2% |
| Monterey County | 11 | 7 | 0 | 0.0% |
| Orange County | 11 | 6 | 3 | 27.3% |
| San Diego County | 9 | 6 | 1 | 11.1% |
| Los Angeles County | 7 | 3 | 3 | 42.9% |
| Madera County | 5 | 1 | 1 | 20.0% |
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: 180 applications in 2025, of which 97 were originated and 30 denied.
16.7% of all applications, or 16.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Murphy Bank originated in California in 2025 was 7.95%, against a statewide median of 6.63%.
About this data. Figures are Murphy 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