Waterman State Bank in California vs the state
20.0%Denial rate+2.58 pts vs state
20.0%Decision denial rate-2.40 pts vs state
60.0%Origination rate+3.80 pts vs state
—Median rate
—Rate spread (pts)
$396kMedian applicant income
3Loans originated
1Denied
What Waterman State Bank lends in California
By loan purpose
By loan type
Where in California
Counties with the most Waterman State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 2 | 1 | 0 | 0.0% |
| Los Angeles County | 2 | 1 | 1 | 50.0% |
| Riverside County | 1 | 1 | 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: 5 applications in 2025, of which 3 were originated and 1 denied.
20.0% of all applications, or 20.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Waterman State 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