Citizens Equity First in California vs the state
13.1%Denial rate-4.36 pts vs state
21.6%Decision denial rate-0.80 pts vs state
46.3%Origination rate-9.93 pts vs state
7.50%Median rate+0.88 pts vs state
-0.16Rate spread (pts)-0.44 pts vs state
$180kMedian applicant income
124Loans originated
35Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 301 | 130 | 18.9% | 7.00% | #287 |
| 2024 | 278 | 133 | 13.7% | 8.50% | #310 |
| 2025 | 268 | 124 | 13.1% | 7.50% | #329 |
What Citizens Equity First lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Clara County | 130 | 60 | 17 | 13.1% |
| Alameda County | 33 | 16 | 3 | 9.1% |
| Contra Costa County | 15 | 5 | 2 | 13.3% |
| San Joaquin County | 13 | 5 | 3 | 23.1% |
| Placer County | 8 | 6 | 0 | 0.0% |
| Stanislaus County | 8 | 4 | 0 | 0.0% |
| San Mateo County | 7 | 4 | 3 | 42.9% |
| Riverside County | 6 | 2 | 0 | 0.0% |
| Merced County | 6 | 2 | 0 | 0.0% |
| Monterey County | 5 | 1 | 3 | 60.0% |
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: 268 applications in 2025, of which 124 were originated and 35 denied.
13.1% of all applications, or 21.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Citizens Equity First originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Citizens Equity First'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