Lender profile · HMDA 2023–2025
First City mortgage approval rates & lending data
First City decided 471 mortgage applications and funded 277 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 |
|---|---|---|---|---|---|
| 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 |
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.