Lender in California · HMDA 2025
First Standard Financial Corp. mortgages in California
First Standard Financial Corp.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
First Standard Financial Corp. originated 324 owner-occupied single-family loans in California from 324 completed applications.
Its median conventional purchase loan costs were $9,590 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.75% (California: 6.625%).
Loans in CA
324
of 324 applications
Denial rate
0.0%
Purchase · CA 8.9%
Rate spread
+0.41 pts
Conv. · CA +0.09 pts
Loan amount
$645,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 205 | 205 | 0.0% | 6.750% | +0.41 pts | $9,590 | $645,000 |
| Refinance | 66 | 66 | 0.0% | 6.500% | +0.11 pts | $5,090 | $705,000 |
| Cash-out refinance | 53 | 53 | 0.0% | 7.125% | +0.64 pts | $8,250 | $655,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology