Lender in California · HMDA 2025
NBKC Bank mortgages in California
NBKC Bank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
NBKC Bank originated 285 owner-occupied single-family loans in California from 371 completed applications.
Its median conventional purchase loan costs were $5,460 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
285
of 371 applications
Denial rate
14.8%
Purchase · CA 8.9%
Rate spread
−0.03 pts
Conv. · CA +0.09 pts
Loan amount
$625,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 189 | 158 | 14.8% | 6.500% | −0.03 pts | $5,460 | $625,000 |
| Refinance | 147 | 103 | 25.2% | 6.125% | −0.20 pts | $2,080 | $615,000 |
| Cash-out refinance | 35 | 24 | 31.4% | — | — | — | $545,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where NBKC Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Imperial County | 22 | 9 | 0.8% |
| Mariposa County | 22 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology