Lender profile · HMDA 2023–2025
1St Northern California mortgage approval rates & lending data
1St Northern California decided 363 mortgage applications and funded 206 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 73% | 44 / 60 | 95% | $75K | 42 |
| Cash-out refinance | 58% | 107 / 183 | 90% | $85K | 96 |
| Refinance | 56% | 47 / 84 | 85% | $765K | 40 |
1St Northern California lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 62% | $85K | 363 | 206 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.