Mortgage lenders in Monterey County
4,435 mortgages were made in Monterey County, California, in 2025, by 373 lenders. The median rate their borrowers got was 6.750% on a median loan of $475,000. Of 6,289 decisions, 1,530 were denials — 24.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 521 | 6.500% | $555,000 | 14.6% |
| Rocket Mortgage, LLC | 358 | 6.750% | $395,000 | 17.0% |
| U.S. Bank National Association | 154 | 7.125% | $395,000 | 43.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 151 | 6.740% | $695,000 | 3.1% |
| JPMorgan Chase Bank, National Association | 134 | 6.490% | $475,000 | 13.0% |
| Bank of America, National Association | 126 | 6.240% | $215,000 | 50.2% |
| FlexPoint, Inc. | 120 | 6.625% | $595,000 | 3.3% |
| BAY | 107 | 7.500% | $135,000 | 25.5% |
| Loandepot.Com, LLC | 102 | 7.188% | $310,000 | 27.6% |
| FRANKLIN LOAN CORPORATION | 99 | 6.625% | $455,000 | 3.9% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 97 | 6.125% | $585,000 | 1.0% |
| GUARANTEED RATE, INC. | 96 | 6.250% | $450,000 | 3.9% |
| Navy Federal Credit Union | 71 | 7.750% | $205,000 | 22.8% |
| SUMMIT FUNDING, INC. | 70 | 6.875% | $555,000 | 6.6% |
| PENNYMAC LOAN SERVICES, LLC | 69 | 6.625% | $535,000 | 17.1% |
| FIGURE LENDING LLC | 64 | 8.775% | $95,000 | 17.2% |
| Wells Fargo Bank, National Association | 63 | 6.125% | $565,000 | 22.0% |
| MACKILLIE INCORPORATED | 63 | 11.000% | $525,000 | 0.0% |
| SPRING EQ, LLC | 56 | 8.500% | $125,000 | 61.7% |
| OCMBC, INC. | 54 | 6.999% | $555,000 | 12.2% |
| NEWREZ LLC | 51 | 6.625% | $355,000 | 34.2% |
| Fremont Bank | 50 | 8.250% | $305,000 | 25.0% |
| Synergy One Lending, Inc. | 50 | 6.625% | $825,000 | 2.0% |
| WESCOM CENTRAL CREDIT UNION | 47 | 8.000% | $125,000 | 31.9% |
| NATIONSTAR MORTGAGE LLC | 47 | 8.750% | $115,000 | 30.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 45 | 6.625% | $605,000 | 3.6% |
| Paramount Residential Mortgage Group, Inc. | 42 | 6.438% | $570,000 | 4.6% |
| THE GOLDEN 1 | 39 | 7.750% | $145,000 | 51.7% |
| THE LOAN STORE, INC. | 39 | 6.990% | $395,000 | 18.5% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 36 | 6.750% | $540,000 | 14.3% |
| KIND LENDING, LLC | 35 | 6.875% | $485,000 | 36.4% |
| Charles Schwab Bank, SSB | 30 | 5.425% | $1,395,000 | 3.1% |
| Comerica Bank | 29 | 5.990% | $205,000 | 53.8% |
| FINANCE OF AMERICA REVERSE LLC | 29 | 9.490% | $465,000 | 6.5% |
| TRIAD FINANCIAL SERVICES, INC. | 28 | 8.705% | $205,000 | 27.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 28 | 6.933% | $675,000 | 6.5% |
| Mechanics Bank | 27 | 6.875% | $405,000 | 40.0% |
| Coastal Community Bank | 26 | 8.990% | $70,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 26 | 6.063% | $565,000 | 15.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 26 | 8.000% | $135,000 | 15.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 6.490% | $570,000 | 22.9% |
| Broker Solutions, Inc. | 24 | 6.688% | $415,000 | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 24 | 6.525% | $690,000 | 13.8% |
| BAY-VALLEY MORTGAGE GROUP | 23 | 6.750% | $475,000 | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 23 | 6.875% | $565,000 | 22.6% |
| PNC Bank, National Association | 22 | 7.940% | $240,000 | 40.5% |
| FIRST COLONY MORTGAGE CORPORATION | 22 | 6.563% | $650,000 | 4.0% |
| ALLIANT CREDIT UNION | 20 | 7.750% | $190,000 | 29.0% |
| AmeriSave Mortgage Corporation | 19 | 8.625% | $125,000 | 71.4% |
| AMWEST FUNDING CORP. | 17 | 7.125% | $475,000 | 5.6% |
| NEXERA HOLDING LLC | 17 | 7.250% | $485,000 | 10.5% |
| ML Mortgage Corp. | 17 | 6.490% | $585,000 | 0.0% |
| STAR ONE Credit Union | 16 | 6.375% | $255,000 | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 16 | 9.380% | $230,000 | 20.0% |
| Third Federal Savings and Loan Association of Cleveland | 15 | 6.890% | $145,000 | 50.0% |
| GUILD MORTGAGE COMPANY | 15 | 6.500% | $625,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 14 | 7.813% | $445,000 | 39.1% |
| QUORUM FEDERAL CREDIT UNION | 14 | 8.000% | $280,000 | 27.3% |
| CMG MORTGAGE, INC. | 14 | 7.120% | $860,000 | 5.9% |
| A&D Mortgage LLC | 14 | 7.125% | $405,000 | 6.3% |
| Morgan Stanley Private Bank, National Association | 14 | 5.700% | $760,000 | 17.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.250% | $645,000 | 18.8% |
| STANFORD Federal Credit Union | 13 | 7.500% | $405,000 | 23.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.000% | $560,000 | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 12 | 9.125% | $615,000 | 0.0% |
| UBS Bank USA | 12 | 5.875% | $1,305,000 | 0.0% |
| 21st Mortgage Corporation | 11 | 9.090% | $195,000 | 75.0% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 6.500% | $585,000 | 56.1% |
| BMO Bank National Association | 11 | 8.080% | $405,000 | 50.0% |
| SCHOOLSFIRST | 11 | 6.750% | $175,000 | 14.3% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 7.875% | $230,000 | 61.5% |
| Provident Credit Union | 10 | 6.250% | $205,000 | 0.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 31.3% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 7.1% |
| LENDSURE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| VAL-CHRIS INVESTMENTS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 74.1% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 68.2% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 65.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Murphy Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 7 | Under 10 loans | Under 10 loans | 12.5% |
| OAKTREE FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 72.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 26.7% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Patelco Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| City National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VISTA POINT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HIGHTECHLENDING INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 5 | Under 10 loans | Under 10 loans | 42.9% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Shea Mortgage Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| USALLIANCE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HomeTrust Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mirastar Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Greenbox Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PACIFIC SERVICE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 42.9% |
| CommonWealth Central Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MERIWEST | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CBC Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 81.8% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 80.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 62.5% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SESLOC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| EQUITY WAVE LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF STOCKTON | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 75.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 173 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Monterey County
65 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 15 | $2.7 billion |
| JPMorgan Chase Bank, National Association | 12 | $3.0 billion |
| Mechanics Bank | 9 | $1.0 billion |
| Bank of America, National Association | 6 | $1.9 billion |
| U.S. Bank National Association | 5 | $914.2 million |
| Pacific Valley Bank | 4 | $552.6 million |
| Monterey County Bank | 4 | $232.6 million |
| West Coast Community Bank | 3 | $941.0 million |
| Fifth Third Bank, National Association | 3 | $266.7 million |
| Pinnacle Bank | 1 | $191.8 million |
| Fremont Bank | 1 | $97.4 million |
| BMO Bank National Association | 1 | $65.5 million |
| UMB Bank, National Association | 1 | $21.0 million |
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Comerica Bank, 35 Bonifacio Plz, Monterey
- Comerica Bank, 430 S Main St, Salinas
- Comerica Bank, 7915 San Miguel Canyon Rd, Salinas
- Pacific Valley Bank, 150 Main St, Ste 210, Salinas
- U.S. Bank National Association, 1400 Munras Ave, Monterey
Get told when this changes
When the next year’s lending figures are out for Monterey County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.