Stifel Bank and Trust in California vs the state
1.5%Denial rate-15.97 pts vs state
1.6%Decision denial rate-20.84 pts vs state
87.9%Origination rate+31.72 pts vs state
6.00%Median rate-0.63 pts vs state
0.03Rate spread (pts)-0.25 pts vs state
$390kMedian applicant income
364Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 289 | 250 | 2.4% | 6.25% | #292 |
| 2024 | 313 | 281 | 1.0% | 6.38% | #299 |
| 2025 | 414 | 364 | 1.5% | 6.00% | #283 |
What Stifel Bank and Trust lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Stifel Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 106 | 95 | 2 | 1.9% |
| San Diego County | 43 | 35 | 0 | 0.0% |
| Orange County | 38 | 36 | 1 | 2.6% |
| Riverside County | 34 | 28 | 0 | 0.0% |
| San Francisco County | 20 | 16 | 2 | 10.0% |
| Sonoma County | 19 | 19 | 0 | 0.0% |
| Marin County | 15 | 14 | 0 | 0.0% |
| Ventura County | 14 | 9 | 0 | 0.0% |
| Placer County | 13 | 10 | 0 | 0.0% |
| Santa Clara County | 10 | 9 | 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: 414 applications in 2025, of which 364 were originated and 6 denied.
1.5% of all applications, or 1.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Stifel Bank and Trust originated in California in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Stifel Bank and Trust'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