Home purchase lenders in Orange County
16,215 home purchase mortgages were made in Orange County, California, in 2025, by 525 lenders. The median rate their borrowers got was 6.625% on a median loan of $805,000. Of 19,223 decisions, 2,251 were denials — 11.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,548 | 6.624% | $745,000 | 11.1% |
| Rocket Mortgage, LLC | 1,342 | 6.625% | $785,000 | 14.2% |
| U.S. Bank National Association | 801 | 6.125% | $945,000 | 12.9% |
| JPMorgan Chase Bank, National Association | 515 | 6.250% | $955,000 | 10.9% |
| SCHOOLSFIRST | 493 | 6.125% | $705,000 | 2.7% |
| East West Bank | 452 | 6.500% | $855,000 | 3.4% |
| PENNYMAC LOAN SERVICES, LLC | 398 | 6.624% | $965,000 | 13.6% |
| Bank of America, National Association | 366 | 5.990% | $975,000 | 24.2% |
| Wells Fargo Bank, National Association | 345 | 5.875% | $1,025,000 | 15.6% |
| NMSI, INC. | 307 | 6.875% | $755,000 | 0.0% |
| Kiavi Funding, Inc. | 304 | 9.750% | $995,000 | 4.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 268 | 6.750% | $800,000 | 2.5% |
| NEW WAVE LENDING GROUP INC | 266 | 6.875% | $735,000 | 1.1% |
| LENNAR MORTGAGE, LLC | 239 | 5.875% | $855,000 | 10.0% |
| Eagle Community Credit Union | 236 | 9.250% | $160,000 | 0.8% |
| Citibank, National Association | 234 | 5.875% | $1,145,000 | 10.8% |
| AMWEST FUNDING CORP. | 229 | 6.875% | $735,000 | 7.7% |
| GUARANTEED RATE, INC. | 219 | 6.500% | $825,000 | 3.5% |
| Broker Solutions, Inc. | 197 | 6.750% | $785,000 | 2.9% |
| THE LOAN STORE, INC. | 188 | 6.750% | $695,000 | 8.3% |
| OCMBC, INC. | 176 | 6.688% | $760,000 | 5.4% |
| Loandepot.Com, LLC | 153 | 6.625% | $755,000 | 4.9% |
| KIND LENDING, LLC | 148 | 6.625% | $695,000 | 30.7% |
| CMG MORTGAGE, INC. | 148 | 6.625% | $705,000 | 2.4% |
| City National Bank | 133 | 6.090% | $765,000 | 17.9% |
| BMO Bank National Association | 115 | 6.125% | $1,305,000 | 18.8% |
| FlexPoint, Inc. | 113 | 7.000% | $735,000 | 1.4% |
| NEWREZ LLC | 107 | 6.625% | $935,000 | 12.2% |
| GUARANTEED RATE AFFINITY, LLC | 104 | 6.550% | $820,000 | 3.7% |
| ZILLOW HOME LOANS, LLC | 103 | 6.375% | $715,000 | 11.1% |
| Commerce Home Mortgage, Inc. | 98 | 7.250% | $1,025,000 | 9.3% |
| Morgan Stanley Private Bank, National Association | 98 | 5.725% | $1,155,000 | 6.4% |
| Paramount Residential Mortgage Group, Inc. | 94 | 6.625% | $695,000 | 3.1% |
| Charles Schwab Bank, SSB | 94 | 5.375% | $1,215,000 | 4.1% |
| NEXERA HOLDING LLC | 91 | 7.125% | $1,195,000 | 5.2% |
| EMET LENDING GROUP, INC. | 89 | 7.000% | $785,000 | 0.0% |
| CONVENTUS LLC | 88 | 8.995% | $1,030,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 87 | 6.625% | $655,000 | 6.7% |
| Logan Finance Corporation | 86 | 6.999% | $1,125,000 | 4.4% |
| General Mortgage Capital Corporation | 83 | 6.500% | $725,000 | 0.0% |
| Cathay Bank | 82 | 6.250% | $1,025,000 | 13.1% |
| 549300DLBRGR2O0VNZ96 | 81 | 6.750% | $625,000 | 0.0% |
| JMJ FINANCIAL GROUP | 78 | 6.750% | $665,000 | 0.0% |
| FRANKLIN LOAN CORPORATION | 78 | 6.875% | $730,000 | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 78 | 9.625% | $1,000,000 | 1.3% |
| NexBank | 74 | 6.375% | $965,000 | 15.9% |
| BAY-VALLEY MORTGAGE GROUP | 73 | 6.375% | $635,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 71 | 6.625% | $615,000 | 7.6% |
| CLEAREDGE LENDING LLC | 71 | 6.990% | $1,245,000 | 16.5% |
| Citadel Servicing Corporation | 71 | 7.000% | $815,000 | 3.2% |
| AAA CAPITAL INVESTMENT, INC. | 70 | 6.875% | $725,000 | 3.0% |
| TRIAD FINANCIAL SERVICES, INC. | 69 | 8.730% | $175,000 | 32.7% |
| OriginPoint, LLC | 64 | 6.625% | $1,075,000 | 5.9% |
| JMAC LENDING, INC. | 64 | 6.875% | $750,000 | 1.5% |
| CTBC Bank Corp. (USA) | 64 | 6.500% | $1,130,000 | 7.2% |
| CHAMPIONS FUNDING, LLC | 62 | 7.563% | $805,000 | 22.5% |
| A&D Mortgage LLC | 60 | 6.563% | $755,000 | 13.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 60 | 6.875% | $670,000 | 10.5% |
| MOVEMENT MORTGAGE, LLC | 60 | 6.750% | $740,000 | 1.5% |
| Navy Federal Credit Union | 59 | 6.250% | $735,000 | 16.9% |
| GOLDEN EMPIRE MORTGAGE, INC. | 58 | 6.750% | $660,000 | 10.8% |
| FIRST STANDARD FINANCIAL CORP. | 58 | 6.875% | $805,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 57 | 7.375% | $965,000 | 43.0% |
| ROYAL PACIFIC FUNDING CORP. | 55 | 6.625% | $735,000 | 2.6% |
| Genesis Capital, LLC | 53 | 8.250% | $1,025,000 | 0.0% |
| First-Citizens Bank & Trust Company | 50 | 5.625% | $455,000 | 26.5% |
| PNC Bank, National Association | 50 | 6.125% | $1,135,000 | 15.0% |
| HOMEXPRESS MORTGAGE CORP. | 50 | 7.188% | $955,000 | 34.2% |
| Fidelity Lending Solutions, Inc. | 50 | 7.000% | $740,000 | 3.4% |
| ORANGE COUNTY'S CREDIT UNION | 49 | 7.750% | $245,000 | 17.2% |
| PLAZA HOME MORTGAGE, INC. | 48 | 7.375% | $340,000 | 30.7% |
| AMERITRUST MORTGAGE CORPORATION | 45 | 7.125% | $945,000 | 2.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 45 | 6.375% | $655,000 | 5.9% |
| NFM, INC. | 45 | 5.750% | $685,000 | 0.0% |
| CALIFORNIA CREDIT UNION | 44 | 5.625% | $875,000 | 9.1% |
| ONY GLO, INC. | 43 | 6.750% | $785,000 | 40.5% |
| 9845007CY0EC0F59W414 | 42 | 6.875% | $755,000 | 2.3% |
| GUILD MORTGAGE COMPANY | 42 | 6.500% | $760,000 | 5.7% |
| NuVision Federal Credit Union | 41 | 6.500% | $1,075,000 | 6.8% |
| Mortgage Research Center, LLC | 41 | 5.990% | $845,000 | 6.8% |
| Prosperity Home Mortgage, LLC | 41 | 6.625% | $785,000 | 4.4% |
| Zions Bancorporation, N.A. | 39 | 6.000% | $1,005,000 | 13.5% |
| UBS Bank USA | 39 | 5.875% | $1,405,000 | 7.1% |
| 21st Mortgage Corporation | 38 | 9.915% | $165,000 | 79.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 38 | 6.625% | $700,000 | 9.5% |
| BETTER MORTGAGE CORPORATION | 36 | 6.500% | $775,000 | 25.0% |
| WESCOM CENTRAL CREDIT UNION | 36 | 6.938% | $525,000 | 27.5% |
| KBHS HOME LOANS, LLC | 36 | 6.125% | $645,000 | 5.3% |
| STG MORTGAGE INC | 36 | 6.625% | $925,000 | 13.6% |
| BAY EQUITY LLC | 36 | 6.875% | $730,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 35 | 6.990% | $945,000 | 2.8% |
| VISTA POINT MORTGAGE, LLC | 35 | 7.125% | $1,075,000 | 13.6% |
| CAKE MORTGAGE CORP. | 34 | 7.250% | $1,045,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 33 | 6.688% | $805,000 | 2.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 33 | 7.124% | $675,000 | 13.2% |
| AHL FUNDING | 32 | 6.688% | $700,000 | 5.9% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 32 | 5.884% | $1,005,000 | 15.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 30 | 6.438% | $695,000 | 14.3% |
| Flagstar Bank, N.A. | 29 | 6.625% | $955,000 | 44.6% |
| FREEDOM MORTGAGE CORPORATION | 29 | 6.000% | $975,000 | 12.1% |
| NATIONS DIRECT MORTGAGE, LLC | 28 | 6.625% | $845,000 | 12.5% |
| DEEPHAVEN MORTGAGE LLC | 27 | 7.250% | $975,000 | 34.2% |
| Financial Partners Credit Union | 27 | 6.750% | $455,000 | 23.7% |
| PARTNERS Federal Credit Union | 26 | 5.945% | $610,000 | 6.7% |
| MORTGAGEONE, INC. | 25 | 6.875% | $735,000 | 3.6% |
| Home Mortgage Alliance Corporation (HMAC) | 25 | 6.990% | $835,000 | 28.6% |
| ALLIANT CREDIT UNION | 25 | 7.500% | $275,000 | 18.8% |
| CORNERSTONE CAPITAL BANK, SSB | 25 | 6.625% | $705,000 | 0.0% |
| Archwest Funding | 24 | 8.990% | $1,145,000 | 3.7% |
| FIRST COLONY MORTGAGE CORPORATION | 23 | 6.625% | $635,000 | 9.1% |
| Royal Business Bank | 23 | 6.750% | $980,000 | 14.8% |
| ARC HOME LLC | 22 | 7.250% | $1,255,000 | 26.7% |
| UNION HOME MORTGAGE CORP. | 22 | 6.500% | $755,000 | 18.5% |
| Emporium TPO LLC | 22 | 7.125% | $905,000 | 6.7% |
| Axos Bank | 21 | 6.750% | $1,655,000 | 33.3% |
| RESICENTRAL, LLC | 21 | 6.490% | $685,000 | 7.1% |
| The Dart Bank | 21 | 6.750% | $645,000 | 10.7% |
| TEACHERS FEDERAL CREDIT UNION | 21 | 5.625% | $965,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 20 | 7.438% | $825,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 20 | 6.625% | $725,000 | 4.8% |
| LBS FINANCIAL | 19 | 5.990% | $545,000 | 5.0% |
| T. J. FINANCIAL, INC. | 19 | 6.375% | $675,000 | 0.0% |
| Watermark Capital, Inc. | 19 | 6.625% | $755,000 | 0.0% |
| MidFirst Bank | 19 | 6.000% | $2,005,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 18 | 6.250% | $685,000 | 9.1% |
| Preferred Bank | 18 | Not published | $1,250,000 | 10.0% |
| 2549005FUF02T1IFCA22 | 18 | 7.375% | $580,000 | 18.2% |
| ML Mortgage Corp. | 17 | 6.625% | $715,000 | 0.0% |
| GEO-CORP, INC. | 17 | 7.125% | $825,000 | 5.6% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 16 | 8.600% | $145,000 | 38.1% |
| FUNDLOANS CAPITAL | 16 | 7.125% | $1,055,000 | 15.8% |
| 254900YZ174H294JW398 | 16 | 5.125% | $795,000 | 0.0% |
| Tomo Mortgage, LLC | 15 | 6.375% | $935,000 | 11.8% |
| PULTE MORTGAGE LLC | 15 | 6.250% | $685,000 | 25.0% |
| Baxter Credit Union | 15 | 5.750% | $685,000 | 0.0% |
| Bank of Hope | 15 | 6.125% | $805,000 | 16.7% |
| Cornerstone First Mortgage, Inc | 15 | 6.875% | $835,000 | 0.0% |
| NQM FUNDING, LLC | 14 | 6.999% | $760,000 | 26.9% |
| Equity Prime Mortgage LLC | 14 | 6.250% | $670,000 | 12.5% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 7.750% | $810,000 | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 5.000% | $775,000 | 32.0% |
| PLANET HOME LENDING, LLC | 14 | 6.500% | $700,000 | 26.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 14 | 6.058% | $605,000 | 6.7% |
| Greenbox Loans, Inc. | 14 | 7.438% | $710,000 | 0.0% |
| GOOGAIN, INC. | 14 | 6.563% | $680,000 | 0.0% |
| Filo Mortgage, L.L.C. | 13 | 6.875% | $835,000 | 7.1% |
| Truist Bank | 13 | 6.490% | $725,000 | 27.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.250% | $575,000 | 13.3% |
| VICTORIA FINANCIAL CORP. | 13 | 6.874% | $785,000 | 0.0% |
| VISION ONE MORTGAGE, INC. | 13 | 6.625% | $585,000 | 18.8% |
| DIGNIFIED HOME LOANS, LLC | 13 | 6.490% | $815,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 12 | 6.313% | $735,000 | 32.3% |
| ENVOY MORTGAGE, LTD | 12 | 6.688% | $900,000 | 0.0% |
| F&A Federal Credit Union | 12 | 6.250% | $795,000 | 0.0% |
| HABITFACTORY USA, INC. | 12 | 7.125% | $765,000 | 0.0% |
| Taylor Morrison Home Funding, Inc. | 11 | 6.500% | $1,245,000 | 26.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.375% | $765,000 | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 11 | 7.375% | $805,000 | 10.0% |
| BANC ONE MORTGAGE CORPORATION | 11 | 6.750% | $705,000 | 0.0% |
| LADERA LENDING, INC. | 11 | 6.875% | $945,000 | 0.0% |
| ResMac, Inc. | 11 | 7.490% | $1,465,000 | 0.0% |
| KINECTA | 11 | 6.500% | $665,000 | 8.3% |
| Genisys Credit Union | 11 | 5.875% | $1,495,000 | 0.0% |
| Toyota Financial Savings Bank | 11 | Not published | $1,205,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 7.250% | $455,000 | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 6.558% | $950,000 | 44.4% |
| CHURCHILL MORTGAGE CORPORATION | 10 | 6.933% | $885,000 | 9.1% |
| Woori America Bank | 10 | Not published | $765,000 | 14.3% |
| SOUTHLAND CREDIT UNION | 10 | 5.500% | $655,000 | 0.0% |
| DATA MORTGAGE, INC. | 10 | 6.750% | $705,000 | 9.1% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 6.750% | $805,000 | 0.0% |
| PCB Bank | 10 | Not published | $740,000 | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 10 | 6.625% | $930,000 | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 10 | 5.950% | $1,885,000 | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Mechanics Bank | 9 | Under 10 loans | Under 10 loans | 28.6% |
| LUXURY MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| THE GOLDEN 1 | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Goldman Sachs Bank USA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| UNIVERSAL LENDING CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Constant Investments, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Reliable Holdings Manager dba Lendz Financial | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SUMMIT MORTGAGE BANKERS INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| WATER AND POWER COMMUNITY Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Boeing Employees Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ALAMEDA MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EZ FUNDINGS INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| AUGUSTA FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 325 lenders each made 7 or fewer mortgages here, and are counted in the totals above.
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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. 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.