FIRST CITY
FIRST CITY received 317 applications in 2025 and made 163 mortgages, in 6 counties across 1 state. The median rate its borrowers got was 7.750% on a median loan of $105,000. Of 287 decisions, 95 were denials — 33.1%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300S1ULK3TJQ8I652 |
|---|---|
| Applications received | 317 |
| Mortgages made | 163 |
| Denied | 95 |
| Approved, not taken up | 29 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.52 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 | 11 | 5.750% | $505,000 | 11.8% |
| Refinancing | 12 | 5.620% | $720,000 | 29.4% |
| Cash-out refinancing | 14 | 6.938% | $155,000 | 30.0% |
| Other purposes | 126 | 7.750% | $95,000 | 35.2% |
Where FIRST CITY lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 122 | 7.750% | 31.3% |
| San Bernardino County, CA | 20 | 6.750% | 43.5% |
| Riverside County, CA | 11 | 7.750% | 31.6% |
| Orange County, CA | 6 | Under 10 loans | 33.3% |
| Kern County, CA | 3 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
Get told when this changes
When FIRST CITY’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.