Lender in California · HMDA 2025
Plains Commerce Bank mortgages in California
Plains Commerce Bank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Plains Commerce Bank originated 235 owner-occupied single-family loans in California from 255 completed applications.
Its median conventional purchase loan costs were $10,490 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
235
of 255 applications
Denial rate
6.1%
Purchase · CA 8.9%
Rate spread
+0.29 pts
Conv. · CA +0.09 pts
Loan amount
$495,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 228 | 213 | 6.1% | 6.625% | +0.29 pts | $10,490 | $495,000 |
| Refinance | 11 | 9 | — | — | — | — | — |
| Cash-out refinance | 16 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where Plains Commerce Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Butte County | 16 | 30 | 1.6% |
- Plains Commerce Bank nationwide
- California mortgage market
- Plains Commerce Bank in Florida
- Plains Commerce Bank in South Dakota
- Plains Commerce Bank in Arizona
- Plains Commerce Bank in Texas
- Plains Commerce Bank in Utah
- Plains Commerce Bank in Colorado
- Plains Commerce Bank in Georgia
- Plains Commerce Bank in Minnesota
- Plains Commerce Bank in Nebraska
- Plains Commerce Bank in North Carolina
- Plains Commerce Bank in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology