Mortgage Lender Index

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 Identifier549300PUF6BDR1QRB167
Applications received181
Mortgages made102
Denied65
Approved, not taken up9
Withdrawn or incomplete5
Loans bought from other lenders0
Median rate spread over the prime offer rate-0.755 points
FDIC-insured bankThis 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

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase12 5.875%$515,000 0.0%
Refinancing39 5.750%$765,000 44.3%
Cash-out refinancing28 5.750%$215,000 39.2%
Other purposes23 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.

CountyMortgages madeMedian rateDenied
Contra Costa County, CA 635.875%28.4%
Alameda County, CA 175.875%46.0%
Solano County, CA 7Under 10 loans41.7%
Placer County, CA 3Under 10 loans25.0%
Nevada County, CA 2Under 10 loans0.0%
San Joaquin County, CA 2Under 10 loans75.0%
Sonoma County, CA 2Under 10 loans33.3%
Amador County, CA 1Under 10 loans0.0%
Butte County, CA 1Under 10 loans0.0%
El Dorado County, CA 1Under 10 loans0.0%
Orange County, CA 1Under 10 loans66.7%
San Francisco County, CA 1Under 10 loans50.0%
Ventura County, CA 1Under 10 loans0.0%
Calaveras County, CA 0Under 10 loans100.0%
Marin County, CA 0Under 10 loans100.0%
Sacramento County, CA 0Under 10 loans100.0%
San Luis Obispo County, CA 0Under 10 loans100.0%
Santa Clara County, CA 0Under 10 loans50.0%
Tuolumne County, CA 0Under 10 loansNot 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.