First Entertainment at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
62nd20.2% deniedPricingmedian rate spread over APOR, weight 30%
17th0.72 ptsProcesswithdrawn + incomplete share, weight 15%
100th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
91st0.77% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 788 | 532 | 28.3% | 28.4% | 8.49% | $204M |
| 2024 | 684 | 484 | 25.4% | 25.4% | 8.56% | $138M |
| 2025 | 608 | 466 | 20.2% | 20.2% | 8.00% | $145M |
What First Entertainment lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 355 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 25 investment properties.
Why First Entertainment denies applications
Primary reason reported for each of the 123 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First Entertainment
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 5 | 76.9% |
| $50k – $100k | 74 | 42 | 39.2% |
| $100k – $150k | 141 | 103 | 24.1% |
| $150k – $250k | 219 | 185 | 12.3% |
| Over $250k | 142 | 128 | 7.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 19 | 17.4% |
| 35–44 | 119 | 98 | 11.8% |
| 45–54 | 207 | 159 | 19.8% |
| 55–64 | 184 | 140 | 23.4% |
| 65–74 | 59 | 39 | 30.5% |
Where First Entertainment lends
1 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 608 | 466 | 20.2% | 8.00% | #231 |
Frequently asked questions
First Entertainment denied 20.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 62nd percentile of home-equity (HELOC) lenders.
The most common reason First Entertainment gave in 2025 was "debt-to-income ratio", cited on 65.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans First Entertainment originated in 2025 was 8.00%, and its median rate spread over the average prime offer rate was 0.72 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 12% of its applications were for home purchases, 16% for refinancing (including cash-out), and 72% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.