California · HMDA 2025
Mortgage lenders in Lake County, CA
224 lenders reported 2,538 home-loan applications in Lake County in 2025. 1,123 closed as loans ($277.1M), 468 were denied — a 27.6% denial rate on decided applications, above the California rate of 22.3%. The three most active lenders handled 21% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 7 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,538
- Loans originated
- 1,123
- Purchase / refinance
- 635 / 339
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lake County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 212 | 8.4% | — |
| 2 | REDWOOD | 175 | 6.9% | — |
| 3 | Rocket Mortgage, LLC | 134 | 5.3% | — |
| 4 | FRANKLIN LOAN CORPORATION | 98 | 3.9% | — |
| 5 | NEWREZ LLC | 70 | 2.8% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 70 | 2.8% | — |
| 7 | LAKEVIEW LOAN SERVICING, LLC | 57 | 2.2% | — |
| 8 | COMMUNITY FIRST CREDIT UNION | 53 | 2.1% | — |
| 9 | Mortgage Research Center, LLC | 50 | 2.0% | — |
| 10 | AMERICAN PACIFIC MORTGAGE CORPORATION | 49 | 1.9% | — |
| 11 | Broker Solutions, Inc. | 47 | 1.9% | — |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 44 | 1.7% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 42 | 1.7% | 14.1% |
| 14 | FREEDOM MORTGAGE CORPORATION | 42 | 1.7% | — |
| 15 | KIND LENDING, LLC | 41 | 1.6% | — |
| 16 | GUILD MORTGAGE COMPANY | 40 | 1.6% | — |
| 17 | Equity Prime Mortgage LLC | 40 | 1.6% | — |
| 18 | 21st Mortgage Corporation | 38 | 1.5% | — |
| 19 | BMO Bank National Association 83 out of 100, Strong | 38 | 1.5% | 40.5% |
| 20 | Loandepot.Com, LLC | 37 | 1.5% | — |
| 21 | THE LOAN STORE, INC. | 37 | 1.5% | — |
| 22 | AmeriSave Mortgage Corporation | 36 | 1.4% | — |
| 23 | Umpqua Bank 64 out of 100, Moderate | 36 | 1.4% | 28.5% |
| 24 | Coastal Community Bank 35 out of 100, Low | 36 | 1.4% | 3.0% |
| 25 | NATIONSTAR MORTGAGE LLC | 35 | 1.4% | — |
| 26 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 34 | 1.3% | — |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 33 | 1.3% | — |
| 28 | GUARANTEED RATE, INC. | 32 | 1.3% | — |
| 29 | FIGURE LENDING LLC | 29 | 1.1% | — |
| 30 | PLANET HOME LENDING, LLC | 27 | 1.1% | — |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 26 | 1.0% | — |
| 32 | SPRING EQ, LLC | 26 | 1.0% | — |
| 33 | OCMBC, INC. | 22 | 0.9% | — |
| 34 | Bank of America, National Association 59 out of 100, Moderate | 20 | 0.8% | 44.7% |
| 35 | VILLAGE CAPITAL & INVESTMENT LLC | 18 | 0.7% | — |
| 36 | PHH Mortgage Corporation | 18 | 0.7% | — |
| 37 | CMG MORTGAGE, INC. | 17 | 0.7% | — |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 17 | 0.7% | 22.2% |
| 39 | Discover Bank | 17 | 0.7% | — |
| 40 | U.S. Bank National Association 55 out of 100, Moderate | 17 | 0.7% | 39.5% |
Top 40 of 224 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in California
- Los Angeles County 221,487 apps
- San Diego County 103,767 apps
- Riverside County 103,444 apps
- Orange County 86,651 apps
- San Bernardino County 77,329 apps
- Sacramento County 56,166 apps
- Santa Clara County 45,843 apps
- Alameda County 41,873 apps
- Contra Costa County 38,954 apps
- Kern County 31,328 apps
- Fresno County 29,585 apps
- San Joaquin County 28,724 apps