Lender in California · HMDA 2025
MidFirst Bank mortgages in California
MidFirst Bank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
MidFirst Bank originated 202 owner-occupied single-family loans in California from 227 completed applications.
Its median conventional purchase loan costs were $7,070 versus $7,920 for all California lenders, at a median 30-year fixed rate of 5.925% (California: 6.625%).
Loans in CA
202
of 227 applications
Denial rate
5.9%
Purchase · CA 8.9%
Rate spread
−0.65 pts
Conv. · CA +0.09 pts
Loan amount
$845,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 168 | 156 | 5.9% | 5.925% | −0.65 pts | $7,070 | $845,000 |
| Refinance | 59 | 46 | 22.0% | — | −0.59 pts | $4,090 | $1,205,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology