Refinancing lenders in Orange County
9,258 refinancing mortgages were made in Orange County, California, in 2025, by 447 lenders. The median rate their borrowers got was 6.125% on a median loan of $735,000. Of 11,860 decisions, 2,108 were denials — 17.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,351 | 6.076% | $755,000 | 12.2% |
| U.S. Bank National Association | 749 | 5.875% | $1,035,000 | 10.7% |
| Rocket Mortgage, LLC | 676 | 6.125% | $745,000 | 21.5% |
| Bank of America, National Association | 545 | 5.990% | $355,000 | 30.4% |
| JPMorgan Chase Bank, National Association | 334 | 5.875% | $915,000 | 6.9% |
| FINANCE OF AMERICA REVERSE LLC | 228 | 8.990% | $605,000 | 8.6% |
| PENNYMAC LOAN SERVICES, LLC | 185 | 6.124% | $805,000 | 19.9% |
| SCHOOLSFIRST | 152 | 5.625% | $755,000 | 8.4% |
| NEW WAVE LENDING GROUP INC | 147 | 6.875% | $605,000 | 0.0% |
| Citibank, National Association | 147 | 5.625% | $1,175,000 | 12.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 131 | 6.490% | $575,000 | 4.3% |
| Wells Fargo Bank, National Association | 127 | 5.750% | $1,200,000 | 23.4% |
| Third Federal Savings and Loan Association of Cleveland | 122 | 6.990% | $285,000 | 39.1% |
| East West Bank | 108 | 6.500% | $755,000 | 5.2% |
| Loandepot.Com, LLC | 104 | 5.990% | $760,000 | 11.7% |
| LONGBRIDGE FINANCIAL, LLC | 104 | 8.933% | $550,000 | 5.8% |
| NMSI, INC. | 102 | 6.500% | $745,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 100 | 6.470% | $805,000 | 0.0% |
| CMG MORTGAGE, INC. | 94 | 6.750% | $475,000 | 8.9% |
| NEWREZ LLC | 89 | 6.250% | $805,000 | 30.6% |
| THE LOAN STORE, INC. | 84 | 6.490% | $615,000 | 4.0% |
| Zions Bancorporation, N.A. | 82 | 6.250% | $515,000 | 18.4% |
| GUARANTEED RATE, INC. | 68 | 6.200% | $865,000 | 2.9% |
| Broker Solutions, Inc. | 66 | 6.495% | $805,000 | 6.9% |
| General Mortgage Capital Corporation | 62 | 6.250% | $745,000 | 1.6% |
| FREEDOM MORTGAGE CORPORATION | 60 | 6.188% | $685,000 | 12.2% |
| ONY GLO, INC. | 59 | 6.875% | $645,000 | 39.2% |
| City National Bank | 57 | 5.480% | $1,195,000 | 6.5% |
| OCMBC, INC. | 55 | 6.625% | $705,000 | 12.5% |
| PNC Bank, National Association | 54 | 6.313% | $995,000 | 40.9% |
| Comerica Bank | 53 | 5.990% | $335,000 | 47.2% |
| A&D Mortgage LLC | 52 | 6.125% | $720,000 | 10.3% |
| NexBank | 52 | 6.125% | $980,000 | 11.5% |
| NuVision Federal Credit Union | 50 | 4.990% | $230,000 | 28.6% |
| AAA CAPITAL INVESTMENT, INC. | 50 | 6.313% | $755,000 | 3.0% |
| SPRING EQ, LLC | 48 | 7.825% | $245,000 | 57.3% |
| NATIONSTAR MORTGAGE LLC | 47 | 6.125% | $715,000 | 18.3% |
| Cathay Bank | 47 | 6.250% | $1,095,000 | 14.0% |
| Charles Schwab Bank, SSB | 45 | 5.500% | $1,075,000 | 4.2% |
| Eagle Community Credit Union | 43 | 8.700% | $115,000 | 3.7% |
| KINECTA | 42 | 6.990% | $255,000 | 14.3% |
| PENTAGON FEDERAL CREDIT UNION | 41 | 7.625% | $355,000 | 46.2% |
| PHH Mortgage Corporation | 41 | 5.875% | $565,000 | 22.6% |
| Financial Partners Credit Union | 40 | 7.500% | $255,000 | 24.6% |
| KIND LENDING, LLC | 40 | 6.625% | $805,000 | 14.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 39 | 6.125% | $635,000 | 4.8% |
| 549300DLBRGR2O0VNZ96 | 39 | 6.500% | $695,000 | 0.0% |
| HIGHTECHLENDING INC | 38 | 7.125% | $560,000 | 4.4% |
| VISTA POINT MORTGAGE, LLC | 36 | 7.375% | $610,000 | 11.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 35 | 5.863% | $705,000 | 6.3% |
| CTBC Bank Corp. (USA) | 35 | 6.500% | $1,235,000 | 16.7% |
| ALLIANT CREDIT UNION | 32 | 8.250% | $350,000 | 37.0% |
| First Bank | 31 | 8.250% | $295,000 | 24.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 30 | 5.995% | $720,000 | 8.1% |
| GUARANTEED RATE AFFINITY, LLC | 30 | 6.370% | $865,000 | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 29 | 6.500% | $775,000 | 0.0% |
| LADERA LENDING, INC. | 28 | 6.870% | $490,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 27 | 6.990% | $475,000 | 15.6% |
| CALIFORNIA CREDIT UNION | 25 | 5.750% | $955,000 | 3.5% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 25 | 5.750% | $465,000 | 3.7% |
| FlexPoint, Inc. | 24 | 6.875% | $625,000 | 7.0% |
| BMO Bank National Association | 24 | 5.750% | $1,280,000 | 33.3% |
| EMET LENDING GROUP, INC. | 24 | 6.813% | $810,000 | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 24 | 6.125% | $690,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 24 | 6.375% | $910,000 | 6.9% |
| Logan Finance Corporation | 24 | 6.749% | $1,530,000 | 10.7% |
| NEXERA HOLDING LLC | 24 | 6.875% | $970,000 | 11.1% |
| VICTORIA FINANCIAL CORP. | 24 | 6.249% | $550,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 23 | 6.125% | $635,000 | 4.2% |
| Commerce Home Mortgage, Inc. | 23 | 6.990% | $1,555,000 | 14.8% |
| F&A Federal Credit Union | 23 | 7.250% | $255,000 | 11.5% |
| ORANGE COUNTY'S CREDIT UNION | 22 | 6.500% | $480,000 | 31.3% |
| LAKEVIEW LOAN SERVICING, LLC | 21 | 5.875% | $735,000 | 70.8% |
| STG MORTGAGE INC | 21 | 6.625% | $945,000 | 7.7% |
| Bethpage Federal Credit Union | 21 | 7.000% | $385,000 | 47.5% |
| SmartFi Home Loans, LLC | 21 | 8.990% | $625,000 | 12.5% |
| JMAC LENDING, INC. | 20 | 6.563% | $905,000 | 0.0% |
| 9845007CY0EC0F59W414 | 19 | 8.000% | $505,000 | 4.8% |
| ROYAL PACIFIC FUNDING CORP. | 19 | 6.375% | $765,000 | 3.3% |
| MORTGAGEONE, INC. | 18 | 6.750% | $640,000 | 5.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 18 | 6.250% | $735,000 | 18.2% |
| FRANKLIN LOAN CORPORATION | 18 | 6.688% | $1,105,000 | 0.0% |
| NQM FUNDING, LLC | 17 | 7.000% | $805,000 | 25.0% |
| CAKE MORTGAGE CORP. | 17 | 6.875% | $1,485,000 | 5.6% |
| RESICENTRAL, LLC | 17 | 6.625% | $755,000 | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 17 | 9.130% | $825,000 | 5.6% |
| SOUTH RIVER MORTGAGE, LLC | 16 | 8.990% | $500,000 | 5.9% |
| First-Citizens Bank & Trust Company | 16 | 6.245% | $665,000 | 36.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.490% | $1,005,000 | 10.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 6.563% | $895,000 | 15.8% |
| UNION HOME MORTGAGE CORP. | 16 | 6.058% | $565,000 | 5.3% |
| ARC HOME LLC | 15 | 6.875% | $1,125,000 | 31.8% |
| AMERITRUST MORTGAGE CORPORATION | 15 | 6.875% | $1,045,000 | 11.8% |
| CLEAREDGE LENDING LLC | 15 | 6.750% | $1,565,000 | 37.0% |
| Morgan Stanley Private Bank, National Association | 15 | 5.750% | $965,000 | 15.8% |
| Lendage, LLC | 15 | 10.000% | $155,000 | 16.7% |
| Discover Bank | 14 | 8.025% | $155,000 | 75.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.624% | $750,000 | 40.0% |
| Flagstar Bank, N.A. | 14 | 5.793% | $1,010,000 | 36.4% |
| Prosperity Home Mortgage, LLC | 14 | 6.125% | $690,000 | 6.7% |
| AMWEST FUNDING CORP. | 14 | 6.000% | $660,000 | 0.0% |
| CONVENTUS LLC | 14 | 9.125% | $2,390,000 | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 14 | 6.500% | $660,000 | 6.7% |
| Navy Federal Credit Union | 13 | 5.750% | $805,000 | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 6.999% | $1,025,000 | 59.4% |
| FOUNDATION MORTGAGE CORPORATION | 13 | 7.875% | $655,000 | 13.3% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 6.500% | $675,000 | 4.8% |
| Citadel Servicing Corporation | 13 | 6.875% | $1,485,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 12 | 6.000% | $805,000 | 27.8% |
| UBS Bank USA | 12 | 5.813% | $1,065,000 | 7.7% |
| JMJ FINANCIAL GROUP | 12 | 6.563% | $810,000 | 0.0% |
| Citizens Bank, National Association | 12 | 6.638% | $1,300,000 | 7.7% |
| T. J. FINANCIAL, INC. | 11 | 6.000% | $575,000 | 0.0% |
| Northpointe Bank | 11 | 6.250% | $735,000 | 8.3% |
| GOOGAIN, INC. | 11 | 6.500% | $975,000 | 0.0% |
| ENNKAR, INC. | 11 | 8.990% | $625,000 | 7.1% |
| Ameris Bank | 11 | 5.990% | $595,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 11 | 7.875% | $305,000 | 8.3% |
| LoanUnited.com, LLC | 10 | 5.995% | $480,000 | 16.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 6.120% | $725,000 | 3.9% |
| CHAMPIONS FUNDING, LLC | 10 | 7.625% | $970,000 | 41.2% |
| WESCOM CENTRAL CREDIT UNION | 10 | 5.875% | $815,000 | 41.2% |
| Equity Prime Mortgage LLC | 10 | 6.000% | $940,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 10 | 6.750% | $860,000 | 0.0% |
| PLANET HOME LENDING, LLC | 10 | 5.990% | $875,000 | 37.5% |
| AMERICAN INTERNET MORTGAGE, INC. | 10 | 5.750% | $660,000 | 9.1% |
| LUXURY MORTGAGE CORP. | 10 | 6.999% | $1,270,000 | 16.7% |
| GUILD MORTGAGE COMPANY | 10 | 6.188% | $645,000 | 0.0% |
| HomeTrust Bank | 10 | 7.750% | $505,000 | 23.1% |
| Goldman Sachs Bank USA | 10 | 5.575% | $1,240,000 | 0.0% |
| Woori America Bank | 10 | Not published | $605,000 | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 10 | 6.000% | $795,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 69.0% |
| Preferred Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Cornerstone First Mortgage, Inc | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TEACHERS FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Provident Savings Bank, F.S.B. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MISSION LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Fremont Bank | 8 | Under 10 loans | Under 10 loans | 61.9% |
| Home Mortgage Alliance Corporation (HMAC) | 8 | Under 10 loans | Under 10 loans | 30.8% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Farmers and Merchants Bank of Long Beach | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Archwest Funding | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BANC ONE MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Axos Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| WALL STREET MORTGAGE BANKERS, LTD. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FUNDLOANS CAPITAL | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ML Mortgage Corp. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Wilmington Savings Fund Society, FSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DATA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| AHL FUNDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 12.5% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Farmers Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 2549000U02CCY5TWKA10 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHLAND CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| THE GOLDEN 1 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 9845005BP6974AE5D838 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SAN DIEGO COUNTY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Watermark Capital, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALL REVERSE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Commercial Bank (USA) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USC Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 83.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fidelity Lending Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Umpqua Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 247 lenders each made 4 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.