1st Northern California in California vs the state
35.9%Denial rate+18.49 pts vs state
36.9%Decision denial rate+14.53 pts vs state
56.4%Origination rate+0.15 pts vs state
5.88%Median rate-0.75 pts vs state
-0.76Rate spread (pts)-1.03 pts vs state
$216kMedian applicant income
102Loans originated
65Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 60 | 41.9% | 7.00% | #411 |
| 2024 | 129 | 75 | 34.1% | 7.00% | #405 |
| 2025 | 181 | 102 | 35.9% | 5.88% | #377 |
What 1st Northern California lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most 1st Northern California applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 97 | 63 | 27 | 27.8% |
| Alameda County | 37 | 17 | 17 | 45.9% |
| Solano County | 13 | 7 | 5 | 38.5% |
| San Joaquin County | 8 | 2 | 6 | 75.0% |
| Placer County | 5 | 3 | 1 | 20.0% |
| Sonoma County | 3 | 2 | 1 | 33.3% |
| Orange County | 3 | 1 | 2 | 66.7% |
| Santa Clara County | 2 | 0 | 1 | 50.0% |
| Nevada County | 2 | 2 | 0 | 0.0% |
| San Francisco County | 2 | 1 | 1 | 50.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 181 applications in 2025, of which 102 were originated and 65 denied.
35.9% of all applications, or 36.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans 1st Northern California originated in California in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are 1st Northern California's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology