First American Bank in California vs the state
40.0%Denial rate+22.58 pts vs state
42.9%Decision denial rate+20.46 pts vs state
53.3%Origination rate-2.87 pts vs state
7.50%Median rate+0.88 pts vs state
0.23Rate spread (pts)-0.04 pts vs state
$166kMedian applicant income
16Loans originated
12Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 17 | 24.0% | 8.50% | #626 |
| 2024 | 29 | 17 | 37.9% | 8.50% | #598 |
| 2025 | 30 | 16 | 40.0% | 7.50% | #595 |
What First American Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 11 | 6 | 5 | 45.5% |
| Los Angeles County | 6 | 2 | 4 | 66.7% |
| Marin County | 4 | 1 | 2 | 50.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Merced County | 2 | 1 | 0 | 0.0% |
| Madera County | 2 | 2 | 0 | 0.0% |
| Kern County | 1 | 1 | 0 | 0.0% |
| San Bernardino County | 1 | 1 | 0 | 0.0% |
| Monterey County | 1 | 0 | 1 | 100.0% |
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: 30 applications in 2025, of which 16 were originated and 12 denied.
40.0% of all applications, or 42.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First American Bank originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are First American Bank'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