Mortgage lenders in San Bernardino County
35,747 mortgages were made in San Bernardino County, California, in 2025, by 649 lenders. The median rate their borrowers got was 6.625% on a median loan of $355,000. Of 51,633 decisions, 12,564 were denials — 24.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 4,126 | 6.450% | $435,000 | 16.0% |
| Rocket Mortgage, LLC | 2,802 | 6.750% | $305,000 | 20.7% |
| SCHOOLSFIRST | 1,725 | 6.750% | $125,000 | 13.1% |
| OCMBC, INC. | 1,192 | 6.625% | $425,000 | 4.3% |
| Loandepot.Com, LLC | 866 | 6.625% | $355,000 | 22.1% |
| LENNAR MORTGAGE, LLC | 763 | 4.625% | $535,000 | 6.1% |
| U.S. Bank National Association | 673 | 7.700% | $205,000 | 51.8% |
| Bank of America, National Association | 667 | 6.240% | $135,000 | 53.0% |
| Paramount Residential Mortgage Group, Inc. | 650 | 6.375% | $405,000 | 3.1% |
| PENNYMAC LOAN SERVICES, LLC | 634 | 6.625% | $355,000 | 23.4% |
| JPMorgan Chase Bank, National Association | 510 | 6.490% | $345,000 | 19.3% |
| THE LOAN STORE, INC. | 491 | 6.990% | $355,000 | 14.9% |
| ML Mortgage Corp. | 478 | 6.625% | $395,000 | 2.4% |
| SPRING EQ, LLC | 474 | 9.113% | $105,000 | 61.1% |
| Navy Federal Credit Union | 433 | 8.200% | $145,000 | 41.4% |
| ARROWHEAD CENTRAL CREDIT UNION | 412 | 8.000% | $95,000 | 55.3% |
| NATIONSTAR MORTGAGE LLC | 409 | 8.500% | $105,000 | 24.9% |
| NEWREZ LLC | 405 | 6.875% | $285,000 | 42.9% |
| GUARANTEED RATE, INC. | 402 | 6.500% | $405,000 | 9.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 402 | 6.750% | $405,000 | 7.3% |
| Broker Solutions, Inc. | 391 | 6.990% | $305,000 | 18.6% |
| East West Bank | 346 | 6.500% | $425,000 | 5.9% |
| FREEDOM MORTGAGE CORPORATION | 334 | 6.250% | $435,000 | 15.1% |
| FIGURE LENDING LLC | 322 | 8.838% | $85,000 | 27.9% |
| KIND LENDING, LLC | 283 | 6.625% | $395,000 | 32.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 265 | 9.790% | $195,000 | 18.2% |
| GOLDEN EMPIRE MORTGAGE, INC. | 260 | 6.375% | $395,000 | 7.6% |
| ROYAL PACIFIC FUNDING CORP. | 259 | 6.250% | $415,000 | 1.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 257 | 6.625% | $425,000 | 13.2% |
| Kiavi Funding, Inc. | 247 | 9.950% | $405,000 | 7.6% |
| AMWEST FUNDING CORP. | 244 | 6.875% | $375,000 | 10.8% |
| Coastal Community Bank | 230 | 10.490% | $55,000 | 4.9% |
| FRANKLIN LOAN CORPORATION | 226 | 6.625% | $320,000 | 1.7% |
| Mortgage Research Center, LLC | 215 | 6.125% | $415,000 | 30.9% |
| CMG MORTGAGE, INC. | 209 | 6.625% | $395,000 | 7.5% |
| PLANET HOME LENDING, LLC | 197 | 6.000% | $435,000 | 14.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 188 | 6.250% | $430,000 | 15.5% |
| Wells Fargo Bank, National Association | 180 | 6.250% | $305,000 | 23.4% |
| NMSI, INC. | 172 | 6.500% | $475,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 166 | 6.625% | $380,000 | 6.5% |
| NEW WAVE LENDING GROUP INC | 164 | 6.875% | $505,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 160 | 3.990% | $550,000 | 24.1% |
| AMERITRUST MORTGAGE CORPORATION | 158 | 6.750% | $445,000 | 3.7% |
| HOMEAMERICAN MORTGAGE CORPORATION | 158 | 4.500% | $550,000 | 10.7% |
| TRIAD FINANCIAL SERVICES, INC. | 157 | 8.770% | $145,000 | 29.8% |
| JMAC LENDING, INC. | 157 | 6.500% | $435,000 | 4.3% |
| GEO-CORP, INC. | 157 | 6.990% | $495,000 | 3.7% |
| FlexPoint, Inc. | 156 | 6.875% | $345,000 | 3.0% |
| GUILD MORTGAGE COMPANY | 151 | 6.500% | $365,000 | 6.4% |
| NFM, INC. | 145 | 4.990% | $595,000 | 0.7% |
| Hometown Equity Mortgage, LLC | 144 | 7.250% | $420,000 | 45.5% |
| AmeriSave Mortgage Corporation | 136 | 8.500% | $100,000 | 71.9% |
| First-Citizens Bank & Trust Company | 135 | 5.750% | $335,000 | 24.9% |
| GoodLeap, LLC | 134 | 7.275% | $95,000 | 24.3% |
| Fairway Independent Mortgage Corporation | 134 | 6.490% | $450,000 | 8.7% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 133 | 3.990% | $155,000 | 34.6% |
| AAA CAPITAL INVESTMENT, INC. | 133 | 6.750% | $515,000 | 1.8% |
| Flagstar Bank, N.A. | 132 | 6.750% | $280,000 | 37.0% |
| 21st Mortgage Corporation | 131 | 10.280% | $135,000 | 75.4% |
| Equity Prime Mortgage LLC | 129 | 6.250% | $425,000 | 15.0% |
| EZ FUNDINGS INC. | 128 | 6.375% | $475,000 | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 126 | 8.250% | $145,000 | 38.5% |
| AHL FUNDING | 126 | 6.750% | $465,000 | 0.0% |
| City National Bank | 118 | 6.355% | $525,000 | 17.9% |
| BAY-VALLEY MORTGAGE GROUP | 116 | 6.500% | $455,000 | 0.9% |
| FIRST NATIONS HOME FINANCE CORPORATION | 114 | 6.490% | $290,000 | 14.1% |
| FINANCE OF AMERICA REVERSE LLC | 114 | 6.500% | $245,000 | 16.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 111 | 6.250% | $305,000 | 26.7% |
| KBHS HOME LOANS, LLC | 108 | 6.063% | $615,000 | 8.5% |
| EMET LENDING GROUP, INC. | 107 | 7.000% | $505,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 106 | 7.895% | $105,000 | 28.3% |
| Commerce Home Mortgage, Inc. | 105 | 7.375% | $475,000 | 15.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 104 | 6.125% | $485,000 | 23.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 104 | 6.500% | $415,000 | 1.5% |
| General Mortgage Capital Corporation | 104 | 6.500% | $505,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 103 | 6.990% | $125,000 | 46.5% |
| CHAMPIONS FUNDING, LLC | 101 | 7.750% | $345,000 | 32.2% |
| Sierra Pacific Mortgage Company, Inc. | 101 | 6.625% | $425,000 | 6.3% |
| GENWAY HOME MORTGAGE, INC. | 97 | 6.875% | $405,000 | 38.8% |
| A&D Mortgage LLC | 96 | 6.625% | $435,000 | 7.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 95 | 6.625% | $285,000 | 61.1% |
| Lendage, LLC | 94 | 10.750% | $65,000 | 13.2% |
| ZILLOW HOME LOANS, LLC | 88 | 6.375% | $420,000 | 7.3% |
| Home Mortgage Alliance Corporation (HMAC) | 87 | 7.000% | $395,000 | 22.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 87 | 9.750% | $375,000 | 3.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 84 | 6.625% | $455,000 | 18.5% |
| NATIONS DIRECT MORTGAGE, LLC | 83 | 6.500% | $405,000 | 4.6% |
| Financial Partners Credit Union | 82 | 7.500% | $125,000 | 31.0% |
| NEXERA HOLDING LLC | 82 | 7.500% | $340,000 | 13.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 82 | 6.250% | $390,000 | 7.8% |
| LAKEVIEW LOAN SERVICING, LLC | 80 | 6.625% | $315,000 | 68.6% |
| HOMEXPRESS MORTGAGE CORP. | 80 | 7.500% | $375,000 | 42.3% |
| Citibank, National Association | 79 | 6.625% | $385,000 | 36.4% |
| BMO Bank National Association | 76 | 8.040% | $255,000 | 52.3% |
| THE GOLDEN 1 | 76 | 7.625% | $155,000 | 39.4% |
| Rize Federal Credit Union | 76 | Not published | $105,000 | 27.5% |
| ONY GLO, INC. | 75 | 6.375% | $425,000 | 44.0% |
| Citadel Servicing Corporation | 75 | 7.500% | $355,000 | 2.7% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 74 | 7.750% | $75,000 | 17.0% |
| CAKE MORTGAGE CORP. | 73 | 7.750% | $385,000 | 6.4% |
| Discover Bank | 72 | 8.610% | $80,000 | 75.7% |
| Zions Bancorporation, N.A. | 72 | 6.250% | $220,000 | 41.7% |
| FRONTWAVE | 69 | 7.500% | $65,000 | 37.3% |
| ALLIANT CREDIT UNION | 69 | 8.500% | $155,000 | 41.2% |
| PHH Mortgage Corporation | 66 | 6.188% | $345,000 | 18.1% |
| FOOTHILL FEDERAL CREDIT UNION | 65 | 5.500% | $145,000 | 29.3% |
| Firefighters First Federal Credit Union | 64 | 8.000% | $145,000 | 15.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 64 | 6.250% | $365,000 | 6.3% |
| FBC MORTGAGE, LLC | 61 | 6.250% | $455,000 | 3.1% |
| Cathay Bank | 60 | 6.250% | $480,000 | 8.7% |
| F&A Federal Credit Union | 59 | 7.000% | $135,000 | 1.5% |
| STG MORTGAGE INC | 58 | 6.625% | $435,000 | 18.8% |
| NexBank | 57 | 6.500% | $475,000 | 16.9% |
| BETTER MORTGAGE CORPORATION | 56 | 8.375% | $140,000 | 58.3% |
| PNC Bank, National Association | 56 | 8.240% | $155,000 | 53.8% |
| DEEPHAVEN MORTGAGE LLC | 56 | 7.625% | $290,000 | 43.0% |
| Banner Bank | 53 | 8.125% | $105,000 | 58.0% |
| PLAZA HOME MORTGAGE, INC. | 53 | 6.625% | $325,000 | 41.3% |
| QUORUM FEDERAL CREDIT UNION | 51 | 8.625% | $165,000 | 34.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 51 | 6.375% | $375,000 | 3.8% |
| Fidelity Lending Solutions, Inc. | 51 | 6.875% | $525,000 | 1.8% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 50 | 8.750% | $105,000 | 43.3% |
| Global Federal Credit Union | 50 | 7.500% | $150,000 | 49.5% |
| FIRST COLONY MORTGAGE CORPORATION | 49 | 6.500% | $415,000 | 4.6% |
| ALTA VISTA | 49 | 8.250% | $105,000 | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 48 | 13.500% | $150,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 47 | 6.500% | $225,000 | 20.0% |
| LOGIX FEDERAL CREDIT UNION | 46 | 6.490% | $140,000 | 24.6% |
| Easy Street Capital, LLC | 46 | 9.700% | $355,000 | 0.0% |
| CALIFORNIA CREDIT UNION | 45 | 5.990% | $155,000 | 32.9% |
| 254900YZ174H294JW398 | 45 | 5.125% | $515,000 | 2.0% |
| PENTAGON FEDERAL CREDIT UNION | 44 | 7.688% | $155,000 | 51.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 43 | 6.375% | $545,000 | 24.6% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 43 | 5.250% | $505,000 | 6.5% |
| MISSION LOANS, LLC | 42 | 8.188% | $155,000 | 9.1% |
| 254900M2C4Q6DATP2889 | 41 | 5.990% | $345,000 | 46.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 41 | 7.499% | $305,000 | 28.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 41 | 6.500% | $385,000 | 25.5% |
| VISTA POINT MORTGAGE, LLC | 41 | 8.375% | $255,000 | 20.0% |
| KINECTA | 41 | 6.990% | $155,000 | 6.8% |
| COAST 2 COAST FUNDING GROUP, INC. | 41 | 7.500% | $225,000 | 0.0% |
| Eagle Community Credit Union | 40 | 9.250% | $130,000 | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | 39 | 7.625% | $105,000 | 41.2% |
| INSPIRE HOME LOANS INC. | 39 | 5.250% | $605,000 | 8.9% |
| Preferred Bank | 38 | Not published | $555,000 | 7.3% |
| LoanUnited.com, LLC | 37 | 6.000% | $475,000 | 26.0% |
| BANC ONE MORTGAGE CORPORATION | 37 | 6.500% | $505,000 | 0.0% |
| PARTNERS Federal Credit Union | 36 | 7.000% | $140,000 | 41.3% |
| NuVision Federal Credit Union | 36 | 5.688% | $195,000 | 42.9% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 36 | 5.875% | $475,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 35 | 6.990% | $395,000 | 66.4% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 35 | 6.490% | $405,000 | 5.4% |
| Valon Mortgage, Inc. | 34 | 8.350% | $65,000 | 32.3% |
| LOS ANGELES POLICE Federal Credit Union | 34 | Not published | $105,000 | 10.5% |
| UNION HOME MORTGAGE CORP. | 34 | 6.125% | $495,000 | 7.5% |
| CLEAREDGE LENDING LLC | 34 | 7.188% | $480,000 | 19.1% |
| 549300DLBRGR2O0VNZ96 | 34 | 6.875% | $495,000 | 0.0% |
| JMJ FINANCIAL GROUP | 33 | 6.750% | $465,000 | 8.3% |
| Genesis Capital, LLC | 33 | 8.750% | $385,000 | 0.0% |
| RESICENTRAL, LLC | 32 | 6.490% | $465,000 | 12.2% |
| ARC HOME LLC | 31 | 7.250% | $385,000 | 8.6% |
| ENVOY MORTGAGE, LTD | 30 | 6.625% | $310,000 | 18.9% |
| MORTGAGEONE, INC. | 30 | 6.625% | $525,000 | 0.0% |
| US MORTGAGE CORPORATION | 30 | 6.625% | $355,000 | 3.2% |
| CONVENTUS LLC | 29 | 9.990% | $495,000 | 0.0% |
| HIGHTECHLENDING INC | 29 | 6.125% | $275,000 | 0.0% |
| Royal Business Bank | 28 | 6.600% | $490,000 | 6.7% |
| CLM MORTGAGE, INC. | 27 | 5.750% | $525,000 | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 27 | 6.000% | $245,000 | 15.6% |
| The Federal Savings Bank | 26 | 6.375% | $385,000 | 30.8% |
| NQM FUNDING, LLC | 26 | 7.499% | $495,000 | 28.2% |
| CHURCHILL MORTGAGE CORPORATION | 26 | 6.625% | $410,000 | 0.0% |
| Plains Commerce Bank | 25 | 6.500% | $465,000 | 10.3% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 25 | 7.875% | $415,000 | 0.0% |
| Comerica Bank | 24 | 5.990% | $225,000 | 48.2% |
| OAKTREE FUNDING CORP. | 24 | 7.500% | $320,000 | 2.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 24 | 9.865% | $385,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 24 | 6.500% | $340,000 | 0.0% |
| Logan Finance Corporation | 24 | 7.249% | $650,000 | 11.1% |
| SmartFi Home Loans, LLC | 24 | 8.990% | $255,000 | 29.4% |
| MLD MORTGAGE INC. | 24 | 6.563% | $380,000 | 3.7% |
| PACIFIC LENDING LLC | 24 | 6.438% | $460,000 | 0.0% |
| INTELLILOAN, INC. | 23 | 5.990% | $435,000 | 16.7% |
| NBKC BANK | 23 | 6.375% | $415,000 | 17.9% |
| Greenbox Loans, Inc. | 23 | 8.250% | $325,000 | 7.7% |
| BAY EQUITY LLC | 23 | 6.625% | $455,000 | 0.0% |
| PULTE MORTGAGE LLC | 22 | 4.990% | $570,000 | 29.0% |
| AMERICAN HERITAGE LENDING, LLC | 22 | 7.250% | $450,000 | 10.7% |
| VISION ONE MORTGAGE, INC. | 22 | 6.688% | $515,000 | 29.0% |
| POPA FEDERAL CREDIT UNION | 22 | 8.125% | $125,000 | 24.2% |
| Prosperity Home Mortgage, LLC | 22 | 6.558% | $510,000 | 12.0% |
| FIRST STANDARD FINANCIAL CORP. | 22 | 6.813% | $490,000 | 0.0% |
| LOWER, LLC | 21 | 6.625% | $435,000 | 21.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 21 | 6.000% | $385,000 | 23.5% |
| Taylor Morrison Home Funding, Inc. | 21 | 6.125% | $425,000 | 8.7% |
| NORTHROP GRUMMAN Federal Credit Union | 21 | 8.750% | $85,000 | 27.8% |
| 9845007CY0EC0F59W414 | 21 | 6.875% | $595,000 | 8.7% |
| GUARANTEED RATE AFFINITY, LLC | 21 | 6.625% | $405,000 | 4.2% |
| USAA Federal Savings Bank | 20 | 6.313% | $330,000 | 48.8% |
| FIRST CITY | 20 | 6.750% | $135,000 | 43.5% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 449 lenders each made 20 or fewer mortgages here, and are counted in the totals above.
Bank branches in San Bernardino County
200 FDIC-insured branches from 29 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
15 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Comerica Bank, 12035 Foothill Blvd, Rancho Cucamonga
- Comerica Bank, 13920 City Center Dr, Ste 4000, Chino Hills
- Comerica Bank, 4295 Concours, Ontario
- First Foundation Bank, 31565 Hilltop Blvd, Running Springs
- First Foundation Bank, 32946d State Highway 18, Lucerne Valley
- First Foundation Bank, 40865 Big Bear Blvd, Big Bear Lake
- Flagstar Bank, National Association, 3257 E Guasti Rd, Ste 320, Ontario
- HomeStreet Bank, 17123 Main St, Hesperia
- HomeStreet Bank, 42138 Big Bear Blvd, Big Bear Lake
- HomeStreet Bank, 57500 29 Palms Hwy, Yucca Valley
- HomeStreet Bank, 9714 Sierra Ave, Ste 101, Fontana
- Pacific Premier Bank, National Association, 201 E State St, Ste 100, Redlands
- Pacific Premier Bank, National Association, 306 W 2nd St, Ste 100, San Bernardino
- Pacific Premier Bank, National Association, 73700 Gorgonio Dr, Twentynine Palms
- Wells Fargo Bank, National Association, 151 W Base Line Rd, Rialto
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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.