First Horizon Bank in California vs the state
10.0%Denial rate-7.42 pts vs state
13.3%Decision denial rate-9.07 pts vs state
60.0%Origination rate+3.80 pts vs state
6.56%Median rate-0.06 pts vs state
0.11Rate spread (pts)-0.17 pts vs state
$482kMedian applicant income
12Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 5 | 35.7% | 6.13% | #694 |
| 2024 | 15 | 11 | 0.0% | 6.63% | #669 |
| 2025 | 20 | 12 | 10.0% | 6.56% | #640 |
What First Horizon Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First Horizon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 10 | 8 | 2 | 20.0% |
| Orange County | 4 | 2 | 0 | 0.0% |
| San Diego County | 4 | 1 | 0 | 0.0% |
| Santa Barbara County | 2 | 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: 20 applications in 2025, of which 12 were originated and 2 denied.
10.0% of all applications, or 13.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First Horizon Bank originated in California in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are First Horizon 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