The Federal Savings Bank in California vs the state
10.3%Denial rate-7.10 pts vs state
28.6%Decision denial rate+6.17 pts vs state
24.9%Origination rate-31.34 pts vs state
6.50%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.09 pts vs state
$110kMedian applicant income
265Loans originated
110Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,281 | 325 | 11.1% | 6.25% | #114 |
| 2024 | 1,006 | 250 | 11.2% | 6.25% | #157 |
| 2025 | 1,066 | 265 | 10.3% | 6.50% | #165 |
What The Federal Savings Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 146 | 28 | 14 | 9.6% |
| San Diego County | 136 | 24 | 8 | 5.9% |
| Los Angeles County | 125 | 27 | 15 | 12.0% |
| San Bernardino County | 91 | 26 | 12 | 13.2% |
| Sacramento County | 62 | 21 | 10 | 16.1% |
| Kern County | 38 | 14 | 2 | 5.3% |
| Solano County | 32 | 11 | 3 | 9.4% |
| Fresno County | 31 | 6 | 1 | 3.2% |
| San Joaquin County | 29 | 5 | 2 | 6.9% |
| Orange County | 25 | 5 | 7 | 28.0% |
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: 1,066 applications in 2025, of which 265 were originated and 110 denied.
10.3% of all applications, or 28.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans The Federal Savings Bank originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings 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