California · HMDA 2025
Mortgage lenders in San Benito County, CA
217 lenders reported 2,291 home-loan applications in San Benito County in 2025. 1,104 closed as loans ($525.8M), 329 were denied — a 22.0% denial rate on decided applications, close to the California rate of 22.3%. The three most active lenders handled 17% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,291
- Loans originated
- 1,104
- Purchase / refinance
- 567 / 329
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in San Benito County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 140 | 6.1% | — |
| 2 | Rocket Mortgage, LLC | 137 | 6.0% | — |
| 3 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 109 | 4.8% | 14.1% |
| 4 | PREMIER MORTGAGE RESOURCES, L.L.C. | 94 | 4.1% | — |
| 5 | GUARANTEED RATE, INC. | 81 | 3.5% | — |
| 6 | GUILD MORTGAGE COMPANY | 78 | 3.4% | — |
| 7 | KBHS HOME LOANS, LLC | 77 | 3.4% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 72 | 3.1% | 39.5% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 66 | 2.9% | — |
| 10 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 65 | 2.8% | 22.2% |
| 11 | Bank of America, National Association 59 out of 100, Moderate | 60 | 2.6% | 44.7% |
| 12 | Loandepot.Com, LLC | 57 | 2.5% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 57 | 2.5% | — |
| 14 | SPRING EQ, LLC | 56 | 2.4% | — |
| 15 | NEWREZ LLC | 48 | 2.1% | — |
| 16 | FIGURE LENDING LLC | 36 | 1.6% | — |
| 17 | LAKEVIEW LOAN SERVICING, LLC | 32 | 1.4% | — |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 30 | 1.3% | — |
| 19 | Broker Solutions, Inc. | 29 | 1.3% | — |
| 20 | Paramount Residential Mortgage Group, Inc. | 28 | 1.2% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 27 | 1.2% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 24 | 1.0% | — |
| 23 | AMERICAN PACIFIC MORTGAGE CORPORATION | 24 | 1.0% | — |
| 24 | Citibank, National Association 60 out of 100, Moderate | 24 | 1.0% | 24.0% |
| 25 | Shea Mortgage Inc. | 21 | 0.9% | — |
| 26 | AmeriSave Mortgage Corporation | 20 | 0.9% | — |
| 27 | BAY | 20 | 0.9% | — |
| 28 | MASON MCDUFFIE MORTGAGE CORPORATION | 20 | 0.9% | — |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 18 | 0.8% | 32.9% |
| 30 | STAR ONE Credit Union 77 out of 100, Strong | 17 | 0.7% | 24.0% |
| 31 | Mortgage Research Center, LLC | 16 | 0.7% | — |
| 32 | Mirastar Federal Credit Union 62 out of 100, Moderate | 16 | 0.7% | 17.7% |
| 33 | PHH Mortgage Corporation | 16 | 0.7% | — |
| 34 | THE GOLDEN 1 | 16 | 0.7% | — |
| 35 | CommonWealth Central Credit Union 80 out of 100, Strong | 15 | 0.7% | 33.6% |
| 36 | GUARANTEED RATE AFFINITY, LLC | 15 | 0.7% | — |
| 37 | KIND LENDING, LLC | 15 | 0.7% | — |
| 38 | OCMBC, INC. | 14 | 0.6% | — |
| 39 | SUMMIT FUNDING, INC. | 13 | 0.6% | — |
| 40 | Discover Bank | 12 | 0.5% | — |
Top 40 of 217 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