Lender in California · HMDA 2025
NexBank mortgages in California
NexBank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
NexBank originated 719 owner-occupied single-family loans in California from 864 completed applications.
Its median conventional purchase loan costs were $12,870 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
719
of 864 applications
Denial rate
13.1%
Purchase · CA 8.9%
Rate spread
+0.07 pts
Conv. · CA +0.09 pts
Loan amount
$855,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 467 | 394 | 13.1% | 6.500% | +0.07 pts | $12,870 | $855,000 |
| Refinance | 326 | 271 | 14.4% | 6.250% | +0.03 pts | $9,530 | $965,000 |
| Cash-out refinance | 71 | 54 | 18.3% | 6.625% | +0.16 pts | $7,080 | $705,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology