First City mortgage approval rate & lending review
First City decided 471 mortgage applications and funded 277 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First City reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First City at a glance
Approval is 0.3 points below the 67.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 54 / 57 | 76% | $595K | 41 |
| Home improvement loans | 61% | 198 / 325 | 87% | $85K | 173 |
| Cash-out refinance | 72% | 39 / 54 | 100% | $125K | 39 |
| Refinance | 76% | 22 / 29 | 100% | $255K | 22 |
First City lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 67% | $85K | 471 | 277 |
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 First City lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 60% | 247 | 127 |
| San Bernardino County, CA | Home improvement loans | 58% | 45 | 23 |
The county markets where First City made the most loans. Each link opens that market with every lender ranked.
Questions about First City
What is First City's mortgage approval rate?
First City approved 67.1% of the 471 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.3 points below the 67.4% national rate for the same mix of loan types.
How often do borrowers take the loan First City offers?
Borrowers accepted 88% of the loans First City approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First City make?
The typical home improvement loan loan First City made was $85K; across all loan types its typical loan ran from $85K to $595K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First City lend?
First City decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to First City directly?
Yes. First City is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First City'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 First City treats applications, then get a rate quote from the lender.