California · HMDA 2025
Mortgage lenders in San Joaquin County, CA
458 lenders reported 28,724 home-loan applications in San Joaquin County in 2025. 13,662 closed as loans ($5.5B), 4,534 were denied — a 23.5% 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
- 28,724
- Loans originated
- 13,662
- Purchase / refinance
- 7,321 / 4,134
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in San Joaquin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 2,353 | 8.2% | — |
| 2 | Rocket Mortgage, LLC | 1,635 | 5.7% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 1,184 | 4.1% | — |
| 4 | LENNAR MORTGAGE, LLC | 1,000 | 3.5% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 985 | 3.4% | 14.1% |
| 6 | Loandepot.Com, LLC | 821 | 2.9% | — |
| 7 | Bank of America, National Association 59 out of 100, Moderate | 723 | 2.5% | 44.7% |
| 8 | LAKEVIEW LOAN SERVICING, LLC | 696 | 2.4% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 627 | 2.2% | 39.5% |
| 10 | NEWREZ LLC | 612 | 2.1% | — |
| 11 | SPRING EQ, LLC | 589 | 2.1% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 575 | 2.0% | — |
| 13 | FIGURE LENDING LLC | 557 | 1.9% | — |
| 14 | GUARANTEED RATE, INC. | 540 | 1.9% | — |
| 15 | THE GOLDEN 1 | 537 | 1.9% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 472 | 1.6% | — |
| 17 | Coastal Community Bank 35 out of 100, Low | 459 | 1.6% | 3.0% |
| 18 | THE LOAN STORE, INC. | 432 | 1.5% | — |
| 19 | BMO Bank National Association 83 out of 100, Strong | 403 | 1.4% | 40.5% |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 367 | 1.3% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 320 | 1.1% | — |
| 22 | KIND LENDING, LLC | 280 | 1.0% | — |
| 23 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 272 | 0.9% | 22.2% |
| 24 | KBHS HOME LOANS, LLC | 266 | 0.9% | — |
| 25 | Broker Solutions, Inc. | 263 | 0.9% | — |
| 26 | PULTE MORTGAGE LLC | 260 | 0.9% | — |
| 27 | CMG MORTGAGE, INC. | 256 | 0.9% | — |
| 28 | PNC Bank, National Association 62 out of 100, Moderate | 249 | 0.9% | 33.8% |
| 29 | VALLEY STRONG CREDIT UNION 51 out of 100, Below average | 237 | 0.8% | 25.3% |
| 30 | AmeriSave Mortgage Corporation | 216 | 0.8% | — |
| 31 | Paramount Residential Mortgage Group, Inc. | 216 | 0.8% | — |
| 32 | PHH Mortgage Corporation | 208 | 0.7% | — |
| 33 | GUILD MORTGAGE COMPANY | 183 | 0.6% | — |
| 34 | HOMEAMERICAN MORTGAGE CORPORATION | 182 | 0.6% | — |
| 35 | SUMMIT FUNDING, INC. | 178 | 0.6% | — |
| 36 | AMERICAN PACIFIC MORTGAGE CORPORATION | 176 | 0.6% | — |
| 37 | OCMBC, INC. | 174 | 0.6% | — |
| 38 | Discover Bank | 173 | 0.6% | — |
| 39 | DHI MORTGAGE COMPANY, LTD. | 173 | 0.6% | — |
| 40 | Mortgage Research Center, LLC | 171 | 0.6% | — |
Top 40 of 458 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
- Ventura County 24,690 apps