PCB Bank in California vs the state
1.3%Denial rate-16.10 pts vs state
1.4%Decision denial rate-20.98 pts vs state
87.5%Origination rate+31.30 pts vs state
—Median rate
—Rate spread (pts)
$173kMedian applicant income
133Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 122 | 0.0% | — | #364 |
| 2024 | 90 | 69 | 0.0% | — | #452 |
| 2025 | 152 | 133 | 1.3% | — | #391 |
What PCB Bank lends in California
By loan purpose
By loan type
Where in California
Counties with the most PCB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 95 | 84 | 0 | 0.0% |
| San Bernardino County | 24 | 20 | 1 | 4.2% |
| Orange County | 16 | 14 | 1 | 6.3% |
| Riverside County | 9 | 8 | 0 | 0.0% |
| Sacramento County | 5 | 5 | 0 | 0.0% |
| Sonoma County | 1 | 1 | 0 | 0.0% |
| Placer County | 1 | 1 | 0 | 0.0% |
| San Diego County | 1 | 0 | 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: 152 applications in 2025, of which 133 were originated and 2 denied.
1.3% of all applications, or 1.4% 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 PCB 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