Shinhan Bank America in California vs the state
6.3%Denial rate-11.17 pts vs state
6.7%Decision denial rate-15.73 pts vs state
87.5%Origination rate+31.30 pts vs state
—Median rate
—Rate spread (pts)
$366kMedian applicant income
14Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 6 | 0.0% | — | #812 |
| 2024 | 9 | 8 | 0.0% | — | #740 |
| 2025 | 16 | 14 | 6.3% | — | #674 |
What Shinhan Bank America lends in California
By loan purpose
By loan type
Where in California
Counties with the most Shinhan Bank America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 9 | 9 | 0 | 0.0% |
| San Diego County | 4 | 2 | 1 | 25.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Santa Clara 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: 16 applications in 2025, of which 14 were originated and 1 denied.
6.3% of all applications, or 6.7% 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 Shinhan Bank America'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