Washington Federal Bank in California vs the state
6.3%Denial rate-11.17 pts vs state
9.1%Decision denial rate-13.31 pts vs state
62.5%Origination rate+6.30 pts vs state
7.06%Median rate+0.44 pts vs state
0.78Rate spread (pts)+0.51 pts vs state
$232kMedian applicant income
10Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 143 | 81 | 11.9% | 7.06% | #387 |
| 2025 | 16 | 10 | 6.3% | 7.06% | #671 |
What Washington Federal Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Washington Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 7 | 4 | 1 | 14.3% |
| Ventura County | 3 | 3 | 0 | 0.0% |
| Orange County | 2 | 1 | 0 | 0.0% |
| Sonoma County | 1 | 0 | 0 | 0.0% |
| Alameda County | 1 | 1 | 0 | 0.0% |
| Marin County | 1 | 1 | 0 | 0.0% |
| Tulare 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: 16 applications in 2025, of which 10 were originated and 1 denied.
6.3% of all applications, or 9.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Washington Federal Bank originated in California in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are Washington Federal 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