California · HMDA 2025
Mortgage lenders in Orange County, CA
673 lenders reported 86,651 home-loan applications in Orange County in 2025. 45,579 closed as loans ($34.7B), 12,821 were denied — a 20.9% denial rate on decided applications, below the California rate of 22.3%. The three most active lenders handled 19% of applications, led by SCHOOLSFIRST. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 86,651
- Loans originated
- 45,579
- Purchase / refinance
- 16,222 / 18,994
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Orange County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | SCHOOLSFIRST | 6,427 | 7.4% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 5,243 | 6.1% | — |
| 3 | Rocket Mortgage, LLC | 4,486 | 5.2% | — |
| 4 | Bank of America, National Association 59 out of 100, Moderate | 4,163 | 4.8% | 44.7% |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4,114 | 4.7% | 14.1% |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 4,005 | 4.6% | 39.5% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 2,131 | 2.5% | — |
| 8 | SPRING EQ, LLC | 1,713 | 2.0% | — |
| 9 | FIGURE LENDING LLC | 1,617 | 1.9% | — |
| 10 | ORANGE COUNTY'S CREDIT UNION | 1,399 | 1.6% | — |
| 11 | NEWREZ LLC | 1,317 | 1.5% | — |
| 12 | Coastal Community Bank 35 out of 100, Low | 1,298 | 1.5% | 3.0% |
| 13 | Citibank, National Association 60 out of 100, Moderate | 1,191 | 1.4% | 24.0% |
| 14 | AMWEST FUNDING CORP. | 1,186 | 1.4% | — |
| 15 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1,056 | 1.2% | 22.2% |
| 16 | NMSI, INC. | 977 | 1.1% | — |
| 17 | East West Bank 70 out of 100, Strong | 961 | 1.1% | 11.6% |
| 18 | Loandepot.Com, LLC | 915 | 1.1% | — |
| 19 | GUARANTEED RATE, INC. | 901 | 1.0% | — |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 881 | 1.0% | 32.9% |
| 21 | Broker Solutions, Inc. | 861 | 1.0% | — |
| 22 | WESCOM CENTRAL CREDIT UNION 59 out of 100, Moderate | 852 | 1.0% | 32.0% |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 805 | 0.9% | — |
| 24 | THE LOAN STORE, INC. | 787 | 0.9% | — |
| 25 | NEW WAVE LENDING GROUP INC | 784 | 0.9% | — |
| 26 | BMO Bank National Association 58 out of 100, Moderate | 772 | 0.9% | 40.5% |
| 27 | NATIONSTAR MORTGAGE LLC | 718 | 0.8% | — |
| 28 | FREEDOM MORTGAGE CORPORATION | 678 | 0.8% | — |
| 29 | PHH Mortgage Corporation | 654 | 0.8% | — |
| 30 | SOFI BANK, NATIONAL ASSOCIATION | 634 | 0.7% | — |
| 31 | OCMBC, INC. | 609 | 0.7% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 603 | 0.7% | — |
| 33 | CMG MORTGAGE, INC. | 592 | 0.7% | — |
| 34 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 517 | 0.6% | 35.5% |
| 35 | Financial Partners Credit Union | 517 | 0.6% | — |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 515 | 0.6% | — |
| 37 | FINANCE OF AMERICA REVERSE LLC | 470 | 0.5% | — |
| 38 | KIND LENDING, LLC | 456 | 0.5% | — |
| 39 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 447 | 0.5% | 30.7% |
| 40 | BETTER MORTGAGE CORPORATION | 443 | 0.5% | — |
Top 40 of 673 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
- 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
- Ventura County 24,690 apps