First Community Mortgage in California vs the state
10.7%Denial rate-6.75 pts vs state
11.9%Decision denial rate-10.52 pts vs state
70.8%Origination rate+14.59 pts vs state
6.25%Median rate-0.38 pts vs state
0.07Rate spread (pts)-0.20 pts vs state
$154kMedian applicant income
126Loans originated
19Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 54 | 6.0% | 6.63% | #500 |
| 2024 | 212 | 152 | 8.0% | 6.75% | #347 |
| 2025 | 178 | 126 | 10.7% | 6.25% | #380 |
What First Community Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fresno County | 37 | 30 | 5 | 13.5% |
| Tulare County | 31 | 24 | 1 | 3.2% |
| Kern County | 18 | 10 | 5 | 27.8% |
| Madera County | 11 | 9 | 1 | 9.1% |
| Los Angeles County | 8 | 5 | 2 | 25.0% |
| Orange County | 8 | 5 | 1 | 12.5% |
| San Diego County | 7 | 6 | 0 | 0.0% |
| Riverside County | 6 | 4 | 1 | 16.7% |
| Santa Clara County | 6 | 5 | 0 | 0.0% |
| San Bernardino County | 5 | 3 | 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: 178 applications in 2025, of which 126 were originated and 19 denied.
10.7% of all applications, or 11.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First Community Mortgage originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Community 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