First United Bank and Trust in California vs the state
10.0%Denial rate-7.42 pts vs state
14.3%Decision denial rate-8.11 pts vs state
60.0%Origination rate+3.80 pts vs state
6.69%Median rate+0.06 pts vs state
0.17Rate spread (pts)-0.11 pts vs state
$220kMedian applicant income
6Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 3 | 0.0% | 7.88% | #780 |
| 2024 | 8 | 4 | 0.0% | 6.81% | #744 |
| 2025 | 10 | 6 | 10.0% | 6.69% | #740 |
What First United Bank and Trust lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First United Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 4 | 3 | 0 | 0.0% |
| San Bernardino County | 2 | 0 | 1 | 50.0% |
| Riverside County | 1 | 1 | 0 | 0.0% |
| Sonoma County | 1 | 1 | 0 | 0.0% |
| San Francisco County | 1 | 0 | 0 | 0.0% |
| San Mateo 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: 10 applications in 2025, of which 6 were originated and 1 denied.
10.0% of all applications, or 14.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First United Bank and Trust originated in California in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are First United Bank and Trust'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