Plains Commerce Bank in California vs the state
4.4%Denial rate-13.07 pts vs state
7.0%Decision denial rate-15.39 pts vs state
57.5%Origination rate+1.27 pts vs state
6.50%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$160kMedian applicant income
304Loans originated
23Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 642 | 353 | 1.7% | 6.43% | #191 |
| 2024 | 659 | 317 | 0.8% | 6.50% | #209 |
| 2025 | 529 | 304 | 4.4% | 6.50% | #255 |
What Plains Commerce Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butte County | 63 | 41 | 3 | 4.8% |
| Sacramento County | 54 | 32 | 3 | 5.6% |
| San Bernardino County | 47 | 25 | 3 | 6.4% |
| Riverside County | 40 | 28 | 2 | 5.0% |
| Contra Costa County | 39 | 30 | 0 | 0.0% |
| San Diego County | 36 | 16 | 2 | 5.6% |
| Sonoma County | 27 | 23 | 0 | 0.0% |
| Los Angeles County | 25 | 7 | 2 | 8.0% |
| San Joaquin County | 21 | 10 | 0 | 0.0% |
| Solano County | 19 | 8 | 2 | 10.5% |
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: 529 applications in 2025, of which 304 were originated and 23 denied.
4.4% of all applications, or 7.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Plains Commerce Bank originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Plains Commerce 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