U.S. Bank in California vs the state
31.6%Denial rate+14.19 pts vs state
38.3%Decision denial rate+15.90 pts vs state
49.7%Origination rate-6.54 pts vs state
6.50%Median rate-0.13 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$205kMedian applicant income
16,136Loans originated
10,272Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32,389 | 15,190 | 36.2% | 7.25% | #4 |
| 2024 | 34,371 | 16,584 | 34.4% | 6.88% | #4 |
| 2025 | 32,493 | 16,136 | 31.6% | 6.50% | #4 |
What U.S. Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 6,472 | 2,874 | 2,327 | 36.0% |
| Orange County | 3,960 | 2,188 | 1,003 | 25.3% |
| San Diego County | 3,576 | 1,867 | 1,068 | 29.9% |
| Riverside County | 2,210 | 914 | 927 | 41.9% |
| Santa Clara County | 2,089 | 1,347 | 337 | 16.1% |
| Alameda County | 1,738 | 1,050 | 352 | 20.3% |
| San Bernardino County | 1,704 | 673 | 747 | 43.8% |
| Contra Costa County | 1,203 | 681 | 294 | 24.4% |
| Sacramento County | 1,064 | 525 | 348 | 32.7% |
| San Mateo County | 793 | 491 | 142 | 17.9% |
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% |
| 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% |
| Coastal Community Bank | C | 15,830 | 2.7% | 9.99% |
Frequently asked questions
California: 32,493 applications in 2025, of which 16,136 were originated and 10,272 denied.
31.6% of all applications, or 38.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans U.S. Bank originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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