Refinancing lenders in Riverside County
6,690 refinancing mortgages were made in Riverside County, California, in 2025, by 446 lenders. The median rate their borrowers got was 6.125% on a median loan of $505,000. Of 10,001 decisions, 2,524 were denials — 25.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,475 | 5.875% | $535,000 | 18.7% |
| Rocket Mortgage, LLC | 541 | 5.990% | $525,000 | 29.4% |
| FREEDOM MORTGAGE CORPORATION | 309 | 5.750% | $545,000 | 7.7% |
| PENNYMAC LOAN SERVICES, LLC | 168 | 5.990% | $565,000 | 18.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 153 | 5.990% | $555,000 | 9.2% |
| U.S. Bank National Association | 134 | 6.250% | $535,000 | 13.4% |
| Bank of America, National Association | 133 | 6.240% | $200,000 | 49.8% |
| NEWREZ LLC | 118 | 5.875% | $535,000 | 37.9% |
| OCMBC, INC. | 107 | 6.375% | $515,000 | 3.4% |
| FINANCE OF AMERICA REVERSE LLC | 107 | 6.500% | $295,000 | 21.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 106 | 6.125% | $575,000 | 4.4% |
| Loandepot.Com, LLC | 100 | 5.813% | $535,000 | 26.2% |
| JPMorgan Chase Bank, National Association | 97 | 5.990% | $535,000 | 11.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 84 | 6.125% | $305,000 | 12.4% |
| NATIONSTAR MORTGAGE LLC | 73 | 6.125% | $485,000 | 25.3% |
| THE LOAN STORE, INC. | 67 | 6.625% | $465,000 | 5.8% |
| LoanUnited.com, LLC | 64 | 5.750% | $500,000 | 21.0% |
| GUARANTEED RATE, INC. | 64 | 6.125% | $590,000 | 8.2% |
| Third Federal Savings and Loan Association of Cleveland | 64 | 6.990% | $190,000 | 48.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 64 | 5.875% | $550,000 | 8.7% |
| LONGBRIDGE FINANCIAL, LLC | 64 | 6.313% | $275,000 | 11.0% |
| PLANET HOME LENDING, LLC | 63 | 5.750% | $495,000 | 18.5% |
| LAKEVIEW LOAN SERVICING, LLC | 60 | 5.990% | $560,000 | 65.1% |
| CMG MORTGAGE, INC. | 56 | 6.625% | $435,000 | 17.1% |
| Mortgage Research Center, LLC | 47 | 5.750% | $545,000 | 61.3% |
| PHH Mortgage Corporation | 46 | 5.933% | $430,000 | 30.3% |
| Broker Solutions, Inc. | 43 | 6.250% | $465,000 | 24.6% |
| SCHOOLSFIRST | 43 | 5.875% | $455,000 | 23.2% |
| FRANKLIN LOAN CORPORATION | 43 | 6.500% | $485,000 | 0.0% |
| SPRING EQ, LLC | 42 | 9.090% | $130,000 | 50.0% |
| PNC Bank, National Association | 41 | 7.990% | $175,000 | 50.6% |
| Zions Bancorporation, N.A. | 35 | 6.250% | $505,000 | 26.7% |
| KIND LENDING, LLC | 29 | 6.500% | $575,000 | 50.0% |
| NEW WAVE LENDING GROUP INC | 29 | 7.000% | $475,000 | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 29 | 6.000% | $295,000 | 3.2% |
| ONY GLO, INC. | 28 | 6.875% | $480,000 | 44.0% |
| Navy Federal Credit Union | 27 | 5.750% | $555,000 | 55.4% |
| Equity Prime Mortgage LLC | 27 | 6.125% | $525,000 | 10.0% |
| Discover Bank | 26 | 8.425% | $135,000 | 71.1% |
| Wells Fargo Bank, National Association | 26 | 5.938% | $390,000 | 30.8% |
| CALIFORNIA CREDIT UNION | 26 | 5.750% | $660,000 | 6.5% |
| LADERA LENDING, INC. | 25 | 7.750% | $295,000 | 0.0% |
| ML Mortgage Corp. | 25 | 6.000% | $485,000 | 3.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 24 | 6.250% | $500,000 | 61.2% |
| Lendage, LLC | 24 | 11.125% | $125,000 | 3.7% |
| JMJ FINANCIAL GROUP | 24 | 6.875% | $1,515,000 | 7.7% |
| ROYAL PACIFIC FUNDING CORP. | 23 | 6.250% | $545,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 23 | 6.125% | $485,000 | 11.5% |
| Fairway Independent Mortgage Corporation | 23 | 6.125% | $585,000 | 11.5% |
| NexBank | 23 | 6.375% | $525,000 | 17.2% |
| NMSI, INC. | 23 | 6.375% | $515,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 21 | 7.875% | $145,000 | 54.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 21 | 6.250% | $505,000 | 18.5% |
| MORTGAGEONE, INC. | 21 | 6.500% | $595,000 | 16.0% |
| GUILD MORTGAGE COMPANY | 21 | 6.125% | $565,000 | 11.5% |
| SmartFi Home Loans, LLC | 21 | 8.980% | $245,000 | 25.0% |
| HIGHTECHLENDING INC | 21 | 6.125% | $225,000 | 3.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 20 | 6.063% | $510,000 | 54.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 20 | 6.063% | $580,000 | 24.1% |
| ALLIANT CREDIT UNION | 20 | 8.250% | $175,000 | 38.9% |
| FRONTWAVE | 20 | 8.000% | $150,000 | 30.0% |
| Kiavi Funding, Inc. | 20 | 8.950% | $450,000 | 16.0% |
| UNION HOME MORTGAGE CORP. | 20 | 6.125% | $515,000 | 13.0% |
| RESICENTRAL, LLC | 20 | 6.250% | $505,000 | 0.0% |
| AMWEST FUNDING CORP. | 19 | 6.000% | $555,000 | 19.2% |
| Commerce Home Mortgage, Inc. | 19 | 7.125% | $565,000 | 24.0% |
| A&D Mortgage LLC | 18 | 6.125% | $460,000 | 12.5% |
| MOVEMENT MORTGAGE, LLC | 18 | 6.250% | $620,000 | 4.2% |
| VISTA POINT MORTGAGE, LLC | 18 | 8.813% | $200,000 | 20.0% |
| PFN Lending Group, Inc. | 18 | 7.250% | $755,000 | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 17 | 6.625% | $525,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 17 | 6.875% | $575,000 | 10.5% |
| STG MORTGAGE INC | 16 | 6.563% | $620,000 | 10.0% |
| Hometown Equity Mortgage, LLC | 15 | 7.125% | $525,000 | 61.5% |
| GOLDEN EMPIRE MORTGAGE, INC. | 15 | 6.000% | $425,000 | 11.8% |
| INTELLILOAN, INC. | 14 | 5.750% | $510,000 | 27.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 14 | 6.433% | $490,000 | 0.0% |
| CLEARPATH LENDING | 14 | 5.563% | $615,000 | 12.5% |
| SOUTH RIVER MORTGAGE, LLC | 13 | 6.000% | $215,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 5.995% | $615,000 | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 5.875% | $515,000 | 7.1% |
| Citadel Servicing Corporation | 13 | 7.375% | $465,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 13 | 8.875% | $205,000 | 23.5% |
| MISSION LOANS, LLC | 12 | 7.750% | $175,000 | 23.5% |
| FlexPoint, Inc. | 12 | 7.563% | $595,000 | 8.0% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 6.495% | $620,000 | 13.3% |
| Bethpage Federal Credit Union | 12 | 7.625% | $185,000 | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 12 | 6.125% | $405,000 | 10.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | 5.813% | $660,000 | 0.0% |
| KINECTA | 11 | 7.240% | $155,000 | 42.1% |
| Flagstar Bank, N.A. | 11 | 6.000% | $615,000 | 38.1% |
| NQM FUNDING, LLC | 11 | 7.375% | $835,000 | 36.8% |
| City National Bank | 11 | 5.990% | $665,000 | 35.3% |
| SAN DIEGO COUNTY CREDIT UNION | 11 | 8.125% | $95,000 | 38.9% |
| NATIONS DIRECT MORTGAGE, LLC | 11 | 6.125% | $615,000 | 0.0% |
| Eagle Community Credit Union | 11 | 9.000% | $125,000 | 8.3% |
| Charles Schwab Bank, SSB | 11 | 5.525% | $1,105,000 | 0.0% |
| East West Bank | 11 | 6.125% | $425,000 | 8.3% |
| Genesis Capital, LLC | 11 | 8.875% | $1,915,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 5.745% | $615,000 | 33.3% |
| CHAMPIONS FUNDING, LLC | 10 | 7.813% | $460,000 | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 6.813% | $605,000 | 58.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.250% | $555,000 | 20.0% |
| CAKE MORTGAGE CORP. | 10 | 7.500% | $615,000 | 23.1% |
| Citibank, National Association | 10 | 5.875% | $715,000 | 9.1% |
| NuVision Federal Credit Union | 10 | 4.990% | $170,000 | 37.5% |
| General Mortgage Capital Corporation | 10 | 6.375% | $480,000 | 0.0% |
| DATA MORTGAGE, INC. | 10 | 6.063% | $465,000 | 0.0% |
| GOOGAIN, INC. | 10 | 6.313% | $445,000 | 0.0% |
| Comerica Bank | 9 | Under 10 loans | Under 10 loans | 38.9% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 8.3% |
| EZ FUNDINGS INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BANC ONE MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GENWAY HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| The Tax Lady | 8 | Under 10 loans | Under 10 loans | 27.3% |
| F&A Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VICTORIA FINANCIAL CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 38.5% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 50.0% |
| PACIFIC LENDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| ROYAL UNITED MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Cathay Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 549300MPZDD9EFQ1E963 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ARROWHEAD CENTRAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 53.8% |
| BAY-VALLEY MORTGAGE GROUP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTHLAND CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 9845007CY0EC0F59W414 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 23.1% |
| Financial Partners Credit Union | 5 | Under 10 loans | Under 10 loans | 60.0% |
| Firefighters First Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Watermark Capital, Inc. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Patelco Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Fidelity Lending Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Residential First Capital | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| EMET LENDING GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Pacific Premier Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 70.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| THE GOLDEN 1 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 57.1% |
| WESCOM CENTRAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | 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 246 lenders each made 3 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.