NBKC Bank in California vs the state
14.2%Denial rate-3.22 pts vs state
22.2%Decision denial rate-0.23 pts vs state
48.3%Origination rate-7.90 pts vs state
6.38%Median rate-0.25 pts vs state
-0.15Rate spread (pts)-0.43 pts vs state
$195kMedian applicant income
313Loans originated
92Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 547 | 253 | 11.7% | 6.50% | #212 |
| 2024 | 742 | 375 | 13.8% | 6.49% | #196 |
| 2025 | 648 | 313 | 14.2% | 6.38% | #220 |
What NBKC Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 99 | 41 | 17 | 17.2% |
| San Diego County | 72 | 39 | 8 | 11.1% |
| Riverside County | 48 | 23 | 8 | 16.7% |
| San Bernardino County | 42 | 23 | 5 | 11.9% |
| Santa Clara County | 38 | 22 | 1 | 2.6% |
| Orange County | 36 | 14 | 4 | 11.1% |
| Sacramento County | 35 | 18 | 3 | 8.6% |
| Alameda County | 34 | 12 | 5 | 14.7% |
| Contra Costa County | 33 | 16 | 4 | 12.1% |
| Imperial County | 19 | 10 | 5 | 26.3% |
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: 648 applications in 2025, of which 313 were originated and 92 denied.
14.2% of all applications, or 22.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans NBKC Bank originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are NBKC 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