Royal Business Bank in California vs the state
5.9%Denial rate-11.55 pts vs state
8.3%Decision denial rate-14.07 pts vs state
63.7%Origination rate+7.53 pts vs state
6.75%Median rate+0.13 pts vs state
0.42Rate spread (pts)+0.15 pts vs state
$191kMedian applicant income
239Loans originated
22Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 27 | 15.9% | 7.13% | #554 |
| 2024 | 187 | 122 | 7.5% | 7.25% | #356 |
| 2025 | 375 | 239 | 5.9% | 6.75% | #294 |
What Royal Business Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Royal Business Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 143 | 80 | 7 | 4.9% |
| Orange County | 54 | 34 | 5 | 9.3% |
| San Bernardino County | 40 | 28 | 2 | 5.0% |
| Santa Clara County | 28 | 18 | 3 | 10.7% |
| Riverside County | 24 | 18 | 0 | 0.0% |
| Sacramento County | 11 | 9 | 0 | 0.0% |
| Alameda County | 9 | 5 | 0 | 0.0% |
| Placer County | 7 | 4 | 1 | 14.3% |
| San Diego County | 7 | 5 | 1 | 14.3% |
| Contra Costa County | 6 | 5 | 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: 375 applications in 2025, of which 239 were originated and 22 denied.
5.9% of all applications, or 8.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Royal Business Bank originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Royal Business 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