University Bank in California vs the state
11.6%Denial rate-5.84 pts vs state
13.9%Decision denial rate-8.48 pts vs state
70.5%Origination rate+14.33 pts vs state
5.88%Median rate-0.75 pts vs state
0.15Rate spread (pts)-0.12 pts vs state
$177kMedian applicant income
67Loans originated
11Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 63 | 3.0% | 6.75% | #444 |
| 2024 | 56 | 41 | 3.6% | 6.75% | #513 |
| 2025 | 95 | 67 | 11.6% | 5.88% | #448 |
What University Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most University Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 19 | 12 | 4 | 21.1% |
| Solano County | 16 | 11 | 2 | 12.5% |
| Orange County | 13 | 7 | 2 | 15.4% |
| San Bernardino County | 8 | 5 | 0 | 0.0% |
| Contra Costa County | 7 | 6 | 0 | 0.0% |
| Riverside County | 5 | 5 | 0 | 0.0% |
| San Diego County | 5 | 5 | 0 | 0.0% |
| Kern County | 4 | 4 | 0 | 0.0% |
| Ventura County | 4 | 3 | 1 | 25.0% |
| Fresno County | 4 | 3 | 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: 95 applications in 2025, of which 67 were originated and 11 denied.
11.6% of all applications, or 13.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans University Bank originated in California in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are University 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