1St Northern California mortgage approval rate & lending review
1St Northern California decided 363 mortgage applications and funded 206 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 1St Northern California reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
1St Northern California at a glance
Approval is 8.6 points below the 70.8% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where 1St Northern California lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Contra Costa County, CA | Cash-out refinance | 62% | 132 | 72 |
| Contra Costa County, CA | Home improvement loans | 80% | 45 | 35 |
| Contra Costa County, CA | Refinance | 62% | 32 | 19 |
| Solano County, CA | Cash-out refinance | 57% | 23 | 12 |
The county markets where 1St Northern California made the most loans. Each link opens that market with every lender ranked.
Questions about 1St Northern California
What is 1St Northern California's mortgage approval rate?
1St Northern California approved 62.3% of the 363 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points below the 70.8% national rate for the same mix of loan types.
How often do borrowers take the loan 1St Northern California offers?
Borrowers accepted 91% of the loans 1St Northern California approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does 1St Northern California make?
The typical cash-out refinance loan 1St Northern California made was $85K; across all loan types its typical loan ran from $75K to $765K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 1St Northern California lend?
1St Northern California decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to 1St Northern California directly?
Yes. 1St Northern California is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show 1St Northern California's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how 1St Northern California treats applications, then get a rate quote from the lender.