Murphy Bank mortgage approval rate & lending review
Murphy Bank decided 404 mortgage applications and funded 206 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Murphy Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Murphy Bank at a glance
Approval is 5.0 points below the 84.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 80% | 237 / 297 | 62% | $135K | 146 |
| Investment property purchase | 96% | 48 / 50 | 69% | $205K | 33 |
Murphy Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 80% | $135K | 404 | 206 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Murphy Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Luis Obispo County, CA | Mortgage lenders | 79% | 111 | 61 |
| San Luis Obispo County, CA | Investment property purchase | 97% | 34 | 23 |
| Santa Barbara County, CA | Mortgage lenders | 74% | 43 | 20 |
The county markets where Murphy Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Murphy Bank
What is Murphy Bank's mortgage approval rate?
Murphy Bank approved 79.7% of the 404 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.0 points below the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan Murphy Bank offers?
Borrowers accepted 64% of the loans Murphy Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Murphy Bank make?
The typical home purchase mortgage loan Murphy Bank made was $135K; across all loan types its typical loan ran from $135K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Murphy Bank lend?
Murphy Bank decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Murphy Bank directly?
Yes. Murphy Bank is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Murphy Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Murphy Bank treats applications, then get a rate quote from the lender.