First Federal Bank in California vs the state
10.4%Denial rate-7.00 pts vs state
17.9%Decision denial rate-4.54 pts vs state
47.9%Origination rate-8.28 pts vs state
6.13%Median rate-0.50 pts vs state
-0.32Rate spread (pts)-0.59 pts vs state
$214kMedian applicant income
115Loans originated
25Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 36 | 12.4% | 6.69% | #460 |
| 2024 | 236 | 116 | 7.2% | 6.13% | #326 |
| 2025 | 240 | 115 | 10.4% | 6.13% | #341 |
What First Federal Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 43 | 18 | 4 | 9.3% |
| San Diego County | 38 | 18 | 7 | 18.4% |
| San Bernardino County | 19 | 11 | 2 | 10.5% |
| Riverside County | 18 | 13 | 0 | 0.0% |
| Orange County | 16 | 5 | 2 | 12.5% |
| Alameda County | 13 | 4 | 2 | 15.4% |
| Sacramento County | 13 | 6 | 1 | 7.7% |
| Santa Clara County | 10 | 5 | 2 | 20.0% |
| Kern County | 8 | 3 | 0 | 0.0% |
| Contra Costa County | 6 | 2 | 1 | 16.7% |
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: 240 applications in 2025, of which 115 were originated and 25 denied.
10.4% of all applications, or 17.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First Federal Bank originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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