Open Bank
Open Bank received 34 applications in 2025 and made 26 mortgages, in 28 counties across 3 states. The median rate its borrowers got was 6.438% on a median loan of $885,000. Of 32 decisions, 5 were denials — 15.6%, most often for credit history.
| Legal Entity Identifier | 549300WOJCNL7B110W30 |
|---|---|
| Applications received | 34 |
| Mortgages made | 26 |
| Denied | 5 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 205 |
| Median rate spread over the prime offer rate | 0.1965 points |
| FDIC-insured bank | Yes: Open Bank, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 15 | 6.500% | $925,000 | 6.3% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 28.6% |
Where Open Bank lends most
The 28 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 | 13 | 6.500% | 22.2% |
| Orange County, CA | 6 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 33.3% |
| Clark County, NV | 2 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 0 | Under 10 loans | Not published |
| Contra Costa County, CA | 0 | Under 10 loans | Not published |
| Fresno County, CA | 0 | Under 10 loans | Not published |
| Kern County, CA | 0 | Under 10 loans | Not published |
| Placer County, CA | 0 | Under 10 loans | Not published |
| Sacramento County, CA | 0 | Under 10 loans | Not published |
| San Joaquin County, CA | 0 | Under 10 loans | Not published |
| San Mateo County, CA | 0 | Under 10 loans | Not published |
| Santa Clara County, CA | 0 | Under 10 loans | Not published |
| Sonoma County, CA | 0 | Under 10 loans | Not published |
| Stanislaus County, CA | 0 | Under 10 loans | Not published |
| Washoe County, NV | 0 | Under 10 loans | Not published |
| Bexar County, TX | 0 | Under 10 loans | Not published |
| Brazoria County, TX | 0 | Under 10 loans | Not published |
| Brazos County, TX | 0 | Under 10 loans | Not published |
| Collin County, TX | 0 | Under 10 loans | Not published |
| Dallas County, TX | 0 | Under 10 loans | Not published |
| Denton County, TX | 0 | Under 10 loans | Not published |
| Fort Bend County, TX | 0 | Under 10 loans | Not published |
| Harris County, TX | 0 | Under 10 loans | Not published |
| Williamson County, TX | 0 | Under 10 loans | Not published |
Get told when this changes
When Open Bank’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.