1ST NORTHERN CALIFORNIA
1ST NORTHERN CALIFORNIA received 181 applications in 2025 and made 102 mortgages, in 19 counties across 1 state. The median rate its borrowers got was 5.875% on a median loan of $330,000. Of 176 decisions, 65 were denials — 36.9%, most often for collateral.
| Legal Entity Identifier | 549300PUF6BDR1QRB167 |
|---|---|
| Applications received | 181 |
| Mortgages made | 102 |
| Denied | 65 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.755 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 12 | 5.875% | $515,000 | 0.0% |
| Refinancing | 39 | 5.750% | $765,000 | 44.3% |
| Cash-out refinancing | 28 | 5.750% | $215,000 | 39.2% |
| Other purposes | 23 | 7.500% | $95,000 | 29.4% |
Where 1ST NORTHERN CALIFORNIA lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Contra Costa County, CA | 63 | 5.875% | 28.4% |
| Alameda County, CA | 17 | 5.875% | 46.0% |
| Solano County, CA | 7 | Under 10 loans | 41.7% |
| Placer County, CA | 3 | Under 10 loans | 25.0% |
| Nevada County, CA | 2 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 2 | Under 10 loans | 75.0% |
| Sonoma County, CA | 2 | Under 10 loans | 33.3% |
| Amador County, CA | 1 | Under 10 loans | 0.0% |
| Butte County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 66.7% |
| San Francisco County, CA | 1 | Under 10 loans | 50.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Calaveras County, CA | 0 | Under 10 loans | 100.0% |
| Marin County, CA | 0 | Under 10 loans | 100.0% |
| Sacramento County, CA | 0 | Under 10 loans | 100.0% |
| San Luis Obispo County, CA | 0 | Under 10 loans | 100.0% |
| Santa Clara County, CA | 0 | Under 10 loans | 50.0% |
| Tuolumne County, CA | 0 | Under 10 loans | Not published |
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When 1ST NORTHERN CALIFORNIA’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.