Applications / Mortgage Analytics / Lenders / California / First Northern Bank of Dixon
Dixon, CA · State non-member bank · FDIC · $1.9 billion assets · 20 loans in 2025
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20
loans originated, 2025
29
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Northern Bank of Dixon, a California bank in Dixon, has become a minor home lender: it made 20 loans in 2025, against 303 in 2020.
The bank made 303 loans in 2020 and 256 in 2021, then 80, 62 and 21. Last year's 20 left it close to flat, a fall of 5% when similar lenders, state non-member banks making between half and twice as many loans, fell 14%. The figures do not show why its home lending shrank so far.
Most of its loans (65.0%) went to majority-minority neighborhoods, where most residents belong to minority groups. Among similar lenders the typical share was 3.7%, and the bank was higher than nineteen in twenty of them. On 20 loans that share is fragile, but it is no fluke: five years before, on 303 loans, it was 44.9%.
On 20 loans, its typical loan was $485,000, up from $315,000 five years before and well above the $180,000 of similar lenders. It also bought 6 loans from other lenders, which most similar banks do not do at all. Every loan was conventional.
It has lent in Sacramento-Roseville-Folsom and Vallejo since 1990. In Sacramento it ranked 168 of 574 lenders, behind leaders such as United Wholesale Mortgage. It lends in 8 counties, all in California.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Northern Bank of Dixon took 29 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.0% · Refinance 30.0% · Other 15.0%
Conventional 100.0% · of 20 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 20 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 12 |
| Vallejo | 3 |
| Chico | 1 |
| Fresno | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005LNO5N4F760786 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 783161 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 33440 | 1990–2017 |
Established 2 January 1910. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Northern Bank of Dixon's data.
First Northern Bank of Dixon's data
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First Northern Bank of Dixon and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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