LBS FINANCIAL
LBS FINANCIAL received 377 applications in 2025 and made 252 mortgages, in 15 counties across 1 state. The median rate its borrowers got was 6.125% on a median loan of $255,000. Of 313 decisions, 60 were denials — 19.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000RV6UQ52SVTV40 |
|---|---|
| Applications received | 377 |
| Mortgages made | 252 |
| Denied | 60 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 64 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.3055 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 72 | 6.063% | $610,000 | 6.5% |
| Refinancing | 19 | 6.000% | $735,000 | 20.8% |
| Cash-out refinancing | 30 | 6.375% | $205,000 | 34.8% |
| Other purposes | 131 | 5.990% | $105,000 | 20.5% |
Where LBS FINANCIAL lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 169 | 6.125% | 20.2% |
| Orange County, CA | 47 | 5.990% | 11.3% |
| Riverside County, CA | 19 | 6.375% | 13.6% |
| San Bernardino County, CA | 6 | Under 10 loans | 50.0% |
| Ventura County, CA | 3 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Humboldt County, CA | 1 | Under 10 loans | 0.0% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Del Norte County, CA | 0 | Under 10 loans | Not published |
| San Benito County, CA | 0 | Under 10 loans | 100.0% |
| Santa Barbara County, CA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When LBS FINANCIAL’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.