City First Mortgage Services in California vs the state
2.2%Denial rate-15.20 pts vs state
2.9%Decision denial rate-19.46 pts vs state
71.1%Origination rate+14.91 pts vs state
6.99%Median rate+0.37 pts vs state
0.40Rate spread (pts)+0.13 pts vs state
$153kMedian applicant income
32Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 100 | 1.5% | 6.99% | #382 |
| 2024 | 261 | 194 | 1.9% | 6.63% | #315 |
| 2025 | 45 | 32 | 2.2% | 6.99% | #536 |
What City First Mortgage Services lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 12 | 8 | 0 | 0.0% |
| Merced County | 5 | 3 | 1 | 20.0% |
| San Joaquin County | 4 | 3 | 0 | 0.0% |
| Orange County | 4 | 4 | 0 | 0.0% |
| San Bernardino County | 2 | 1 | 0 | 0.0% |
| El Dorado County | 2 | 1 | 0 | 0.0% |
| Los Angeles County | 2 | 1 | 0 | 0.0% |
| Contra Costa County | 2 | 0 | 0 | 0.0% |
| Placer County | 2 | 2 | 0 | 0.0% |
| Ventura County | 1 | 0 | 0 | 0.0% |
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: 45 applications in 2025, of which 32 were originated and 1 denied.
2.2% of all applications, or 2.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans City First Mortgage Services originated in California in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are City First Mortgage Services'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