The Dart Bank in California vs the state
8.6%Denial rate-8.80 pts vs state
9.4%Decision denial rate-13.05 pts vs state
74.1%Origination rate+17.94 pts vs state
6.38%Median rate-0.25 pts vs state
0.07Rate spread (pts)-0.20 pts vs state
$206kMedian applicant income
172Loans originated
20Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 16 | 13 | 6.3% | 6.00% | #659 |
| 2025 | 232 | 172 | 8.6% | 6.38% | #344 |
What The Dart Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most The Dart Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 45 | 32 | 3 | 6.7% |
| Orange County | 45 | 31 | 5 | 11.1% |
| Riverside County | 20 | 16 | 0 | 0.0% |
| San Diego County | 18 | 14 | 2 | 11.1% |
| Alameda County | 18 | 14 | 3 | 16.7% |
| Santa Clara County | 11 | 9 | 1 | 9.1% |
| Ventura County | 11 | 7 | 1 | 9.1% |
| Marin County | 9 | 5 | 2 | 22.2% |
| San Bernardino County | 8 | 6 | 1 | 12.5% |
| Sacramento County | 7 | 6 | 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: 232 applications in 2025, of which 172 were originated and 20 denied.
8.6% of all applications, or 9.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans The Dart Bank originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are The Dart 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