Lender in California · HMDA 2025
Schoolsfirst mortgages in California
Schoolsfirst's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Schoolsfirst originated 2,315 owner-occupied single-family loans in California from 2,576 completed applications.
Its median conventional purchase loan costs were $4,950 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
2,315
of 2,576 applications
Denial rate
2.2%
Purchase · CA 8.9%
Rate spread
−0.06 pts
Conv. · CA +0.09 pts
Loan amount
$585,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,794 | 1,693 | 2.2% | 6.625% | −0.06 pts | $4,950 | $585,000 |
| Refinance | 433 | 362 | 14.8% | 6.500% | −0.29 pts | $2,660 | $625,000 |
| Cash-out refinance | 349 | 260 | 25.2% | 6.625% | −0.16 pts | $2,710 | $465,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Schoolsfirst ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Orange County | 4 | 730 | 3.4% |
| San Bernardino County | 11 | 323 | 1.6% |
| Sutter County | 14 | 12 | 1.5% |
| Riverside County | 16 | 373 | 1.4% |
| Los Angeles County | 21 | 514 | 1.0% |
| Glenn County | 21 | 2 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology