First Bank in California vs the state
34.2%Denial rate+16.78 pts vs state
37.7%Decision denial rate+15.28 pts vs state
54.7%Origination rate-1.51 pts vs state
8.25%Median rate+1.63 pts vs state
1.01Rate spread (pts)+0.74 pts vs state
$183kMedian applicant income
379Loans originated
237Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,614 | 924 | 35.4% | 6.19% | #97 |
| 2024 | 1,028 | 589 | 36.0% | 9.00% | #153 |
| 2025 | 693 | 379 | 34.2% | 8.25% | #210 |
What First Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 225 | 100 | 98 | 43.6% |
| Orange County | 134 | 84 | 36 | 26.9% |
| San Diego County | 49 | 24 | 23 | 46.9% |
| Riverside County | 35 | 22 | 11 | 31.4% |
| Contra Costa County | 26 | 15 | 10 | 38.5% |
| Santa Barbara County | 25 | 12 | 10 | 40.0% |
| San Mateo County | 24 | 12 | 8 | 33.3% |
| Santa Clara County | 23 | 18 | 2 | 8.7% |
| Ventura County | 23 | 10 | 9 | 39.1% |
| Sacramento County | 21 | 14 | 3 | 14.3% |
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: 693 applications in 2025, of which 379 were originated and 237 denied.
34.2% of all applications, or 37.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First Bank originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are First 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