First Nations Home Finance in California vs the state
12.0%Denial rate-5.42 pts vs state
13.3%Decision denial rate-9.10 pts vs state
67.1%Origination rate+10.91 pts vs state
6.50%Median rate-0.13 pts vs state
0.07Rate spread (pts)-0.20 pts vs state
$106kMedian applicant income
151Loans originated
27Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 278 | 194 | 8.6% | 6.63% | #298 |
| 2024 | 224 | 160 | 9.4% | 6.63% | #336 |
| 2025 | 225 | 151 | 12.0% | 6.50% | #349 |
What First Nations Home Finance lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First Nations Home Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 163 | 114 | 21 | 12.9% |
| San Diego County | 25 | 16 | 1 | 4.0% |
| Riverside County | 24 | 14 | 5 | 20.8% |
| Orange County | 3 | 2 | 0 | 0.0% |
| Los Angeles County | 3 | 2 | 0 | 0.0% |
| Placer County | 2 | 0 | 0 | 0.0% |
| Kern County | 1 | 1 | 0 | 0.0% |
| Humboldt County | 1 | 0 | 0 | 0.0% |
| Ventura County | 1 | 0 | 0 | 0.0% |
| Sonoma 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: 225 applications in 2025, of which 151 were originated and 27 denied.
12.0% 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 Nations Home Finance originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First Nations Home Finance'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