First Savings Bank in California vs the state
32.4%Denial rate+14.93 pts vs state
40.0%Decision denial rate+17.60 pts vs state
45.6%Origination rate-10.61 pts vs state
7.63%Median rate+1.00 pts vs state
0.34Rate spread (pts)+0.06 pts vs state
$188kMedian applicant income
31Loans originated
22Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 193 | 116 | 7.8% | 6.88% | #345 |
| 2024 | 89 | 29 | 52.8% | 7.63% | #455 |
| 2025 | 68 | 31 | 32.4% | 7.63% | #487 |
What First Savings Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 10 | 7 | 2 | 20.0% |
| Los Angeles County | 8 | 3 | 3 | 37.5% |
| Sacramento County | 7 | 3 | 3 | 42.9% |
| Orange County | 7 | 3 | 2 | 28.6% |
| San Bernardino County | 5 | 1 | 3 | 60.0% |
| Contra Costa County | 4 | 2 | 0 | 0.0% |
| Merced County | 3 | 0 | 2 | 66.7% |
| San Diego County | 3 | 1 | 2 | 66.7% |
| Fresno County | 3 | 2 | 0 | 0.0% |
| Alameda County | 3 | 0 | 1 | 33.3% |
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: 68 applications in 2025, of which 31 were originated and 22 denied.
32.4% of all applications, or 40.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First Savings Bank originated in California in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are First Savings 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