Preferred Bank
Preferred Bank received 242 applications in 2025 and made 181 mortgages, in 31 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $635,000. Of 209 decisions, 26 were denials — 12.4%.
| Legal Entity Identifier | 5493007K6HGI9G0ECX16 |
|---|---|
| Applications received | 242 |
| Mortgages made | 181 |
| Denied | 26 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 33 |
| Loans bought from other lenders | 36 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Preferred Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 130 | Not published | $585,000 | 8.4% |
| Refinancing | 33 | Not published | $990,000 | 20.9% |
| Cash-out refinancing | 10 | Not published | $1,140,000 | 16.7% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 27.3% |
Where Preferred Bank lends most
The 31 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 | 44 | Not published | 13.5% |
| San Bernardino County, CA | 38 | Not published | 7.3% |
| Orange County, CA | 35 | Not published | 14.6% |
| Riverside County, CA | 15 | Not published | 16.7% |
| Brazoria County, TX | 14 | Not published | 0.0% |
| San Francisco County, CA | 4 | Under 10 loans | 20.0% |
| Santa Clara County, CA | 4 | Under 10 loans | 16.7% |
| Kings County, NY | 4 | Under 10 loans | 0.0% |
| San Mateo County, CA | 3 | Under 10 loans | 0.0% |
| Sacramento County, CA | 2 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 33.3% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 50.0% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 75.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| New York County, NY | 1 | Under 10 loans | 0.0% |
| Queens County, NY | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 0 | Under 10 loans | Not published |
| Kings County, CA | 0 | Under 10 loans | Not published |
| Putnam County, NY | 0 | Under 10 loans | Not published |
| Suffolk County, NY | 0 | Under 10 loans | Not published |
| Montgomery County, TX | 0 | Under 10 loans | Not published |
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When Preferred Bank’s figures are published for the next year, or restated.
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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.