Northbrook Bank and Trust Company in California vs the state
5.0%Denial rate-12.42 pts vs state
5.0%Decision denial rate-17.40 pts vs state
95.0%Origination rate+38.80 pts vs state
—Median rate
—Rate spread (pts)
$399kMedian applicant income
19Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 5 | 0.0% | — | #761 |
| 2025 | 20 | 19 | 5.0% | — | #641 |
What Northbrook Bank and Trust Company lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Northbrook Bank and Trust Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 5 | 5 | 0 | 0.0% |
| Los Angeles County | 3 | 3 | 0 | 0.0% |
| Orange County | 3 | 2 | 1 | 33.3% |
| Ventura County | 2 | 2 | 0 | 0.0% |
| Alameda County | 2 | 2 | 0 | 0.0% |
| Fresno County | 1 | 1 | 0 | 0.0% |
| Calaveras County | 1 | 1 | 0 | 0.0% |
| Santa Clara County | 1 | 1 | 0 | 0.0% |
| San Bernardino County | 1 | 1 | 0 | 0.0% |
| Placer County | 1 | 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: 20 applications in 2025, of which 19 were originated and 1 denied.
5.0% of all applications, or 5.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Northbrook Bank and Trust Company'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