First National Bank of America in California vs the state
17.2%Denial rate-0.24 pts vs state
23.6%Decision denial rate+1.24 pts vs state
54.6%Origination rate-1.57 pts vs state
8.74%Median rate+2.12 pts vs state
2.39Rate spread (pts)+2.12 pts vs state
$122kMedian applicant income
124Loans originated
39Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 100 | 18.3% | 9.63% | #357 |
| 2024 | 262 | 153 | 16.0% | 9.13% | #313 |
| 2025 | 227 | 124 | 17.2% | 8.74% | #345 |
What First National Bank of America lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 22 | 10 | 8 | 36.4% |
| San Bernardino County | 16 | 10 | 1 | 6.3% |
| San Joaquin County | 15 | 13 | 0 | 0.0% |
| Los Angeles County | 15 | 7 | 4 | 26.7% |
| Madera County | 14 | 11 | 0 | 0.0% |
| Contra Costa County | 12 | 5 | 2 | 16.7% |
| San Diego County | 12 | 10 | 0 | 0.0% |
| Kern County | 11 | 7 | 1 | 9.1% |
| Sacramento County | 10 | 3 | 3 | 30.0% |
| Sonoma County | 9 | 4 | 1 | 11.1% |
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: 227 applications in 2025, of which 124 were originated and 39 denied.
17.2% of all applications, or 23.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First National Bank of America originated in California in 2025 was 8.74%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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