First Colony Mortgage in California vs the state
5.0%Denial rate-12.44 pts vs state
6.3%Decision denial rate-16.11 pts vs state
60.0%Origination rate+3.83 pts vs state
6.49%Median rate-0.13 pts vs state
0.05Rate spread (pts)-0.22 pts vs state
$170kMedian applicant income
772Loans originated
64Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 5 | 0.0% | 6.75% | #742 |
| 2024 | 921 | 627 | 6.0% | 6.50% | #165 |
| 2025 | 1,286 | 772 | 5.0% | 6.49% | #144 |
What First Colony Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 329 | 190 | 18 | 5.5% |
| San Diego County | 166 | 85 | 13 | 7.8% |
| Riverside County | 96 | 59 | 7 | 7.3% |
| San Bernardino County | 87 | 49 | 3 | 3.4% |
| Orange County | 81 | 43 | 6 | 7.4% |
| Ventura County | 63 | 43 | 1 | 1.6% |
| Kern County | 53 | 31 | 1 | 1.9% |
| Sacramento County | 44 | 25 | 1 | 2.3% |
| Santa Barbara County | 40 | 31 | 3 | 7.5% |
| Placer County | 37 | 23 | 4 | 10.8% |
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: 1,286 applications in 2025, of which 772 were originated and 64 denied.
5.0% of all applications, or 6.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First Colony Mortgage originated in California in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are First Colony Mortgage'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