First Heritage Mortgage in California vs the state
12.5%Denial rate-4.92 pts vs state
16.7%Decision denial rate-5.73 pts vs state
62.5%Origination rate+6.30 pts vs state
6.88%Median rate+0.25 pts vs state
0.19Rate spread (pts)-0.08 pts vs state
$212kMedian applicant income
5Loans originated
1Denied
What First Heritage Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First Heritage Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 3 | 0 | 1 | 33.3% |
| Riverside County | 3 | 3 | 0 | 0.0% |
| San Bernardino County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 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: 8 applications in 2025, of which 5 were originated and 1 denied.
12.5% of all applications, or 16.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First Heritage Mortgage originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are First Heritage 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