Valley National Bank in California vs the state
13.3%Denial rate-4.09 pts vs state
16.7%Decision denial rate-5.73 pts vs state
66.7%Origination rate+10.47 pts vs state
6.37%Median rate-0.25 pts vs state
-0.14Rate spread (pts)-0.42 pts vs state
$583kMedian applicant income
10Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 7 | 8.3% | 5.88% | #710 |
| 2024 | 7 | 5 | 0.0% | 7.38% | #760 |
| 2025 | 15 | 10 | 13.3% | 6.37% | #684 |
What Valley National Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Valley National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 8 | 6 | 2 | 25.0% |
| Sacramento County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 0 | 0.0% |
| Contra Costa County | 1 | 1 | 0 | 0.0% |
| Ventura County | 1 | 1 | 0 | 0.0% |
| San Diego County | 1 | 1 | 0 | 0.0% |
| Riverside County | 1 | 0 | 0 | 0.0% |
| Santa Clara County | 1 | 0 | 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: 15 applications in 2025, of which 10 were originated and 2 denied.
13.3% of all applications, or 16.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Valley National Bank originated in California in 2025 was 6.37%, against a statewide median of 6.63%.
About this data. Figures are Valley National 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