North American Savings Bank in California vs the state
4.8%Denial rate-12.66 pts vs state
6.1%Decision denial rate-16.34 pts vs state
73.8%Origination rate+17.61 pts vs state
6.88%Median rate+0.25 pts vs state
0.48Rate spread (pts)+0.21 pts vs state
$210kMedian applicant income
31Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 32 | 22.5% | 7.75% | #494 |
| 2024 | 58 | 32 | 6.9% | 6.69% | #507 |
| 2025 | 42 | 31 | 4.8% | 6.88% | #547 |
What North American Savings Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 7 | 6 | 0 | 0.0% |
| Los Angeles County | 5 | 2 | 0 | 0.0% |
| San Francisco County | 4 | 4 | 0 | 0.0% |
| Alameda County | 3 | 3 | 0 | 0.0% |
| Contra Costa County | 3 | 0 | 1 | 33.3% |
| Fresno County | 3 | 3 | 0 | 0.0% |
| Tulare County | 3 | 3 | 0 | 0.0% |
| San Diego County | 2 | 1 | 1 | 50.0% |
| San Bernardino County | 2 | 2 | 0 | 0.0% |
| Orange County | 2 | 1 | 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: 42 applications in 2025, of which 31 were originated and 2 denied.
4.8% of all applications, or 6.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans North American Savings Bank originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are North American Savings 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