The Central Trust Bank in California vs the state
5.3%Denial rate-12.09 pts vs state
13.8%Decision denial rate-8.61 pts vs state
33.3%Origination rate-22.87 pts vs state
6.13%Median rate-0.50 pts vs state
-0.09Rate spread (pts)-0.37 pts vs state
$248kMedian applicant income
25Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 29 | 3.9% | 6.00% | #536 |
| 2024 | 41 | 17 | 12.2% | 6.12% | #556 |
| 2025 | 75 | 25 | 5.3% | 6.13% | #476 |
What The Central Trust Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 17 | 4 | 0 | 0.0% |
| San Diego County | 11 | 4 | 0 | 0.0% |
| Orange County | 6 | 2 | 0 | 0.0% |
| Santa Clara County | 5 | 0 | 2 | 40.0% |
| Sacramento County | 5 | 3 | 1 | 20.0% |
| San Francisco County | 3 | 1 | 0 | 0.0% |
| Alameda County | 3 | 2 | 0 | 0.0% |
| Contra Costa County | 3 | 3 | 0 | 0.0% |
| Stanislaus County | 2 | 0 | 1 | 50.0% |
| San Luis Obispo County | 2 | 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: 75 applications in 2025, of which 25 were originated and 4 denied.
5.3% of all applications, or 13.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans The Central Trust Bank originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust 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