California · HMDA 2025
Mortgage lenders in San Diego County, CA
708 lenders reported 103,767 home-loan applications in San Diego County in 2025. 52,507 closed as loans ($33.8B), 15,941 were denied — a 22.0% denial rate on decided applications, close to the California rate of 22.3%. The three most active lenders handled 19% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 103,767
- Loans originated
- 52,507
- Purchase / refinance
- 21,384 / 20,234
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in San Diego County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 9,696 | 9.3% | — |
| 2 | Rocket Mortgage, LLC | 5,456 | 5.3% | — |
| 3 | Navy Federal Credit Union 66 out of 100, Moderate | 4,734 | 4.6% | 32.9% |
| 4 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4,601 | 4.4% | 14.1% |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 3,622 | 3.5% | 39.5% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 3,337 | 3.2% | — |
| 7 | MISSION | 3,099 | 3.0% | — |
| 8 | Bank of America, National Association 59 out of 100, Moderate | 2,932 | 2.8% | 44.7% |
| 9 | SPRING EQ, LLC | 2,337 | 2.3% | — |
| 10 | NEWREZ LLC | 2,299 | 2.2% | — |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 2,130 | 2.1% | — |
| 12 | FIGURE LENDING LLC | 1,945 | 1.9% | — |
| 13 | California Coast Credit Union 85 out of 100, Very strong | 1,683 | 1.6% | 16.5% |
| 14 | FREEDOM MORTGAGE CORPORATION | 1,650 | 1.6% | — |
| 15 | GUARANTEED RATE, INC. | 1,302 | 1.3% | — |
| 16 | Coastal Community Bank 35 out of 100, Low | 1,240 | 1.2% | 3.0% |
| 17 | THE LOAN STORE, INC. | 1,235 | 1.2% | — |
| 18 | Loandepot.Com, LLC | 1,220 | 1.2% | — |
| 19 | LAKEVIEW LOAN SERVICING, LLC | 1,122 | 1.1% | — |
| 20 | CALIFORNIA CREDIT UNION | 1,021 | 1.0% | — |
| 21 | 21st Mortgage Corporation | 982 | 0.9% | — |
| 22 | CMG MORTGAGE, INC. | 938 | 0.9% | — |
| 23 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 937 | 0.9% | 22.2% |
| 24 | LENNAR MORTGAGE, LLC | 915 | 0.9% | — |
| 25 | Mortgage Research Center, LLC | 875 | 0.8% | — |
| 26 | Broker Solutions, Inc. | 829 | 0.8% | — |
| 27 | SAN DIEGO COUNTY CREDIT UNION 86 out of 100, Very strong | 784 | 0.8% | 37.4% |
| 28 | NATIONSTAR MORTGAGE LLC | 781 | 0.8% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 731 | 0.7% | — |
| 30 | Citibank, National Association 60 out of 100, Moderate | 730 | 0.7% | 24.0% |
| 31 | Fairway Independent Mortgage Corporation | 726 | 0.7% | — |
| 32 | PHH Mortgage Corporation | 714 | 0.7% | — |
| 33 | SOFI BANK, NATIONAL ASSOCIATION | 678 | 0.7% | — |
| 34 | KIND LENDING, LLC | 661 | 0.6% | — |
| 35 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 633 | 0.6% | — |
| 36 | BETTER MORTGAGE CORPORATION | 620 | 0.6% | — |
| 37 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 611 | 0.6% | 30.7% |
| 38 | GUILD MORTGAGE COMPANY | 571 | 0.6% | — |
| 39 | PNC Bank, National Association 62 out of 100, Moderate | 571 | 0.6% | 33.8% |
| 40 | AMWEST FUNDING CORP. | 569 | 0.5% | — |
Top 40 of 708 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
- 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
- Ventura County 24,690 apps