Lenders › First City Credit Union › California
First City Credit Union in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In California, First City Credit Union reported 207 applications and 116 originations for 2024, $15m in all.
Its denial rate in the state was 29.3%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 29.7%.
The median rate spread on its California originations was 2.1 percentage points (state median 0.4).
Applications in the state were down 39% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | First City Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 29.3% | 24.8% | 29.7% | 24.3% |
| Median rate spread, pp | 2.1 | 0.4 | 2.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 85.3% | 19.9% | 85.3% | 15.6% |
| Average originated loan | $126k | $566k | $126k | $329k |
| Home purchase share | 5.2% | 51.2% | 5.2% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 5% (6)Home improvement 40% (46)Refinancing 3% (4)Cash-out refinancing 10% (12)Other purpose 41% (48)
By type
Conventional 100% (116)
Denial reasons as coded
Share of 54 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 156 | 80 | $10m | 32.1% |
| San Bernardino County | 26 | 18 | $2.4m | 26.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First City Credit Union originate in California in 2024?
116 loans totalling $15m, from 207 applications reported for properties in California.
What is First City Credit Union's denial rate in California?
29.3% of decided applications in California were denied, against 24.8% for all lenders in the state and 29.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does First City Credit Union lend in most?
By originations: Los Angeles County (80), San Bernardino County (18).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.