California · HMDA 2025
Mortgage lenders in Monterey County, CA
370 lenders reported 9,178 home-loan applications in Monterey County in 2025. 4,439 closed as loans ($2.5B), 1,530 were denied — a 24.3% denial rate on decided applications, above the California rate of 22.3%. The three most active lenders handled 18% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,178
- Loans originated
- 4,439
- Purchase / refinance
- 1,812 / 1,783
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Monterey County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 728 | 7.9% | — |
| 2 | Rocket Mortgage, LLC | 493 | 5.4% | — |
| 3 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 468 | 5.1% | 14.1% |
| 4 | Bank of America, National Association 59 out of 100, Moderate | 346 | 3.8% | 44.7% |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 336 | 3.7% | 39.5% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 230 | 2.5% | — |
| 7 | CROSSCOUNTRY MORTGAGE, INC. | 223 | 2.4% | — |
| 8 | NEWREZ LLC | 215 | 2.3% | — |
| 9 | SPRING EQ, LLC | 196 | 2.1% | — |
| 10 | FlexPoint, Inc. | 194 | 2.1% | — |
| 11 | BAY | 194 | 2.1% | — |
| 12 | Loandepot.Com, LLC | 192 | 2.1% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 171 | 1.9% | — |
| 14 | GUARANTEED RATE, INC. | 163 | 1.8% | — |
| 15 | FIGURE LENDING LLC | 162 | 1.8% | — |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 152 | 1.7% | 32.9% |
| 17 | PREMIER MORTGAGE RESOURCES, L.L.C. | 135 | 1.5% | — |
| 18 | FRANKLIN LOAN CORPORATION | 132 | 1.4% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 120 | 1.3% | — |
| 20 | LAKEVIEW LOAN SERVICING, LLC | 111 | 1.2% | — |
| 21 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 106 | 1.2% | 22.2% |
| 22 | Coastal Community Bank 35 out of 100, Low | 105 | 1.1% | 3.0% |
| 23 | THE GOLDEN 1 | 100 | 1.1% | — |
| 24 | SUMMIT FUNDING, INC. | 99 | 1.1% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 95 | 1.0% | — |
| 26 | WESCOM CENTRAL CREDIT UNION 59 out of 100, Moderate | 93 | 1.0% | 32.0% |
| 27 | OCMBC, INC. | 92 | 1.0% | — |
| 28 | Broker Solutions, Inc. | 89 | 1.0% | — |
| 29 | Comerica Bank | 82 | 0.9% | — |
| 30 | Fremont Bank 60 out of 100, Moderate | 80 | 0.9% | 33.6% |
| 31 | AmeriSave Mortgage Corporation | 77 | 0.8% | — |
| 32 | SOFI BANK, NATIONAL ASSOCIATION | 75 | 0.8% | — |
| 33 | 21st Mortgage Corporation | 73 | 0.8% | — |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 73 | 0.8% | — |
| 35 | TRIAD FINANCIAL SERVICES, INC. | 71 | 0.8% | — |
| 36 | Paramount Residential Mortgage Group, Inc. | 71 | 0.8% | — |
| 37 | Synergy One Lending, Inc. | 64 | 0.7% | — |
| 38 | KIND LENDING, LLC | 64 | 0.7% | — |
| 39 | MACKILLIE INCORPORATED | 63 | 0.7% | — |
| 40 | MASON MCDUFFIE MORTGAGE CORPORATION | 60 | 0.7% | — |
Top 40 of 370 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