# 1ST NORTHERN CALIFORNIA

> **Canonical URL:** https://saferate.com/lenders/1st-northern-california


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


1ST NORTHERN CALIFORNIA is a independent mortgage company, headquartered in Martinez, CA, with 21 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300PUF6BDR1QRB167
- **Headquarters:** Martinez, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 21
- **Dollar Volume:** $7 million
- **Applications Received:** 44
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $321,667
- **Average Borrower Income:** $179,857
- **Average Property Value:** $773,095

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 16/100 | 21 | -0.626% | $1,818 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 25/100 | 12 | $3M | -0.637% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 21 | 0.01% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oakland | CA | 16 | 58/100 |

## Frequently Asked Questions

### What loan types does 1ST NORTHERN CALIFORNIA offer?

1ST NORTHERN CALIFORNIA offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 1ST NORTHERN CALIFORNIA offer mortgages?

1ST NORTHERN CALIFORNIA offers mortgages in 1 states: CA.

### What type of lender is 1ST NORTHERN CALIFORNIA?

1ST NORTHERN CALIFORNIA is a non-depository lender that specializes in mortgage origination, headquartered in Martinez, CA.

### What is 1ST NORTHERN CALIFORNIA's loan approval success rate?

1ST NORTHERN CALIFORNIA has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/1st-northern-california

### How to Cite

> "1ST NORTHERN CALIFORNIA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/1st-northern-california

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