Murphy Bank
Murphy Bank received 180 applications in 2025 and made 97 mortgages, in 21 counties across 1 state. The median rate its borrowers got was 7.950% on a median loan of $195,000. Of 178 decisions, 30 were denials — 16.9%.
| Legal Entity Identifier | 549300IUGPU6Q7414X38 |
|---|---|
| Applications received | 180 |
| Mortgages made | 97 |
| Denied | 30 |
| Approved, not taken up | 51 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Murphy Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 86 | 7.950% | $205,000 | 13.6% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 38.5% |
Where Murphy Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Luis Obispo County, CA | 37 | 7.950% | 10.5% |
| Santa Barbara County, CA | 17 | 7.700% | 17.9% |
| Fresno County, CA | 7 | Under 10 loans | 20.0% |
| Monterey County, CA | 7 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 7 | Under 10 loans | 0.0% |
| Orange County, CA | 6 | Under 10 loans | 27.3% |
| San Diego County, CA | 6 | Under 10 loans | 11.1% |
| Los Angeles County, CA | 3 | Under 10 loans | 50.0% |
| Riverside County, CA | 2 | Under 10 loans | 18.2% |
| Madera County, CA | 1 | Under 10 loans | 25.0% |
| Mariposa County, CA | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Tulare County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 0 | Under 10 loans | 100.0% |
| Inyo County, CA | 0 | Under 10 loans | 0.0% |
| Placer County, CA | 0 | Under 10 loans | 100.0% |
| San Bernardino County, CA | 0 | Under 10 loans | 50.0% |
| San Joaquin County, CA | 0 | Under 10 loans | 100.0% |
| Ventura County, CA | 0 | Under 10 loans | 100.0% |
| Yolo County, CA | 0 | Under 10 loans | 0.0% |
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When Murphy 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.