Home purchase lenders in San Bernardino County
17,192 home purchase mortgages were made in San Bernardino County, California, in 2025, by 487 lenders. The median rate their borrowers got was 6.500% on a median loan of $455,000. Of 20,874 decisions, 2,548 were denials — 12.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,207 | 6.500% | $465,000 | 11.0% |
| Rocket Mortgage, LLC | 971 | 6.500% | $455,000 | 14.0% |
| OCMBC, INC. | 842 | 6.500% | $445,000 | 3.7% |
| LENNAR MORTGAGE, LLC | 763 | 4.625% | $535,000 | 6.1% |
| Paramount Residential Mortgage Group, Inc. | 553 | 6.375% | $405,000 | 3.2% |
| Loandepot.Com, LLC | 392 | 5.990% | $545,000 | 9.8% |
| ML Mortgage Corp. | 353 | 6.625% | $395,000 | 2.1% |
| GUARANTEED RATE, INC. | 285 | 6.375% | $435,000 | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | 280 | 6.500% | $445,000 | 12.9% |
| East West Bank | 273 | 6.500% | $435,000 | 4.5% |
| SCHOOLSFIRST | 263 | 6.250% | $465,000 | 2.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 258 | 6.625% | $440,000 | 1.1% |
| THE LOAN STORE, INC. | 251 | 6.625% | $465,000 | 5.1% |
| JPMorgan Chase Bank, National Association | 250 | 6.375% | $455,000 | 14.3% |
| Kiavi Funding, Inc. | 231 | 9.950% | $405,000 | 6.7% |
| GOLDEN EMPIRE MORTGAGE, INC. | 209 | 6.375% | $395,000 | 6.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 208 | 6.625% | $455,000 | 10.1% |
| U.S. Bank National Association | 199 | 6.375% | $485,000 | 22.0% |
| KIND LENDING, LLC | 190 | 6.500% | $440,000 | 32.2% |
| Broker Solutions, Inc. | 179 | 6.625% | $395,000 | 1.6% |
| ROYAL PACIFIC FUNDING CORP. | 177 | 6.250% | $435,000 | 1.7% |
| Mortgage Research Center, LLC | 169 | 6.125% | $415,000 | 9.5% |
| FRANKLIN LOAN CORPORATION | 163 | 6.375% | $355,000 | 1.2% |
| DHI MORTGAGE COMPANY, LTD. | 160 | 3.990% | $550,000 | 23.7% |
| HOMEAMERICAN MORTGAGE CORPORATION | 158 | 4.500% | $550,000 | 10.7% |
| TRIAD FINANCIAL SERVICES, INC. | 155 | 8.780% | $145,000 | 29.1% |
| GEO-CORP, INC. | 148 | 6.933% | $495,000 | 3.3% |
| NFM, INC. | 140 | 4.990% | $590,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 132 | 6.625% | $395,000 | 5.2% |
| CMG MORTGAGE, INC. | 126 | 6.500% | $435,000 | 3.9% |
| JMAC LENDING, INC. | 125 | 6.500% | $465,000 | 1.6% |
| NMSI, INC. | 125 | 6.500% | $465,000 | 0.0% |
| First-Citizens Bank & Trust Company | 123 | 5.500% | $355,000 | 22.2% |
| FlexPoint, Inc. | 121 | 6.625% | $345,000 | 4.2% |
| 21st Mortgage Corporation | 119 | 10.270% | $135,000 | 75.9% |
| GUILD MORTGAGE COMPANY | 117 | 6.500% | $375,000 | 2.1% |
| Fairway Independent Mortgage Corporation | 112 | 6.490% | $460,000 | 5.1% |
| AMERITRUST MORTGAGE CORPORATION | 111 | 6.750% | $475,000 | 2.6% |
| KBHS HOME LOANS, LLC | 108 | 6.063% | $615,000 | 8.5% |
| AMWEST FUNDING CORP. | 108 | 6.750% | $455,000 | 9.2% |
| EZ FUNDINGS INC. | 108 | 6.250% | $485,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 107 | 6.375% | $445,000 | 11.3% |
| City National Bank | 106 | 6.390% | $505,000 | 15.1% |
| FIRST NATIONS HOME FINANCE CORPORATION | 106 | 6.433% | $290,000 | 11.9% |
| Navy Federal Credit Union | 104 | 6.125% | $425,000 | 14.8% |
| AHL FUNDING | 103 | 6.750% | $465,000 | 0.0% |
| NEWREZ LLC | 102 | 6.250% | $455,000 | 15.3% |
| NEW WAVE LENDING GROUP INC | 102 | 6.875% | $535,000 | 0.0% |
| Bank of America, National Association | 100 | 6.250% | $375,000 | 34.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 89 | 6.625% | $415,000 | 0.9% |
| ZILLOW HOME LOANS, LLC | 88 | 6.375% | $420,000 | 6.3% |
| BAY-VALLEY MORTGAGE GROUP | 86 | 6.500% | $455,000 | 1.2% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 86 | 9.750% | $375,000 | 3.4% |
| Wells Fargo Bank, National Association | 85 | 6.250% | $525,000 | 15.0% |
| Sierra Pacific Mortgage Company, Inc. | 84 | 6.563% | $425,000 | 6.5% |
| Hometown Equity Mortgage, LLC | 81 | 7.125% | $475,000 | 37.2% |
| AAA CAPITAL INVESTMENT, INC. | 79 | 6.750% | $525,000 | 2.0% |
| PLANET HOME LENDING, LLC | 79 | 6.250% | $415,000 | 11.2% |
| EMET LENDING GROUP, INC. | 75 | 7.000% | $515,000 | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 74 | 6.875% | $415,000 | 35.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 6.250% | $405,000 | 7.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 69 | 6.625% | $455,000 | 9.2% |
| Equity Prime Mortgage LLC | 67 | 6.375% | $435,000 | 15.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 67 | 6.250% | $445,000 | 24.4% |
| General Mortgage Capital Corporation | 67 | 6.500% | $505,000 | 0.0% |
| Flagstar Bank, N.A. | 60 | 6.625% | $410,000 | 36.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 58 | 6.188% | $375,000 | 1.5% |
| FBC MORTGAGE, LLC | 54 | 6.250% | $465,000 | 3.5% |
| ONY GLO, INC. | 53 | 6.375% | $435,000 | 35.4% |
| Commerce Home Mortgage, Inc. | 48 | 7.313% | $485,000 | 5.8% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 46 | 8.750% | $105,000 | 39.7% |
| Home Mortgage Alliance Corporation (HMAC) | 46 | 6.875% | $485,000 | 23.1% |
| STG MORTGAGE INC | 45 | 6.625% | $485,000 | 19.0% |
| 254900YZ174H294JW398 | 45 | 5.125% | $515,000 | 2.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 43 | 5.250% | $505,000 | 6.5% |
| NATIONS DIRECT MORTGAGE, LLC | 42 | 6.438% | $430,000 | 4.6% |
| FIRST COLONY MORTGAGE CORPORATION | 41 | 6.500% | $435,000 | 3.6% |
| A&D Mortgage LLC | 39 | 6.625% | $455,000 | 9.3% |
| Cathay Bank | 39 | 6.250% | $495,000 | 10.6% |
| INSPIRE HOME LOANS INC. | 39 | 5.250% | $605,000 | 8.9% |
| CHAMPIONS FUNDING, LLC | 38 | 7.875% | $375,000 | 28.3% |
| Citibank, National Association | 38 | 6.250% | $445,000 | 20.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 37 | 6.375% | $365,000 | 2.6% |
| Citadel Servicing Corporation | 37 | 7.500% | $325,000 | 2.0% |
| HOMEXPRESS MORTGAGE CORP. | 36 | 7.375% | $355,000 | 27.5% |
| CAKE MORTGAGE CORP. | 35 | 7.500% | $495,000 | 0.0% |
| NexBank | 35 | 6.500% | $475,000 | 16.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 35 | 5.875% | $475,000 | 0.0% |
| Eagle Community Credit Union | 35 | 9.250% | $135,000 | 0.0% |
| Fidelity Lending Solutions, Inc. | 34 | 6.875% | $550,000 | 2.8% |
| PLAZA HOME MORTGAGE, INC. | 32 | 6.875% | $340,000 | 37.3% |
| Genesis Capital, LLC | 32 | 8.750% | $395,000 | 0.0% |
| BMO Bank National Association | 31 | 6.375% | $385,000 | 18.4% |
| Preferred Bank | 30 | Not published | $565,000 | 6.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 28 | 6.563% | $410,000 | 0.0% |
| NEXERA HOLDING LLC | 27 | 7.250% | $545,000 | 6.7% |
| CLM MORTGAGE, INC. | 27 | 5.750% | $525,000 | 0.0% |
| US MORTGAGE CORPORATION | 27 | 6.625% | $365,000 | 3.6% |
| RESICENTRAL, LLC | 26 | 6.625% | $465,000 | 9.7% |
| JMJ FINANCIAL GROUP | 25 | 6.625% | $515,000 | 0.0% |
| BANC ONE MORTGAGE CORPORATION | 25 | 6.375% | $505,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 24 | 6.625% | $305,000 | 11.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 23 | 6.500% | $495,000 | 21.9% |
| CONVENTUS LLC | 23 | 9.990% | $425,000 | 0.0% |
| Plains Commerce Bank | 22 | 6.433% | $490,000 | 0.0% |
| PULTE MORTGAGE LLC | 22 | 4.990% | $570,000 | 29.0% |
| CLEAREDGE LENDING LLC | 22 | 7.125% | $480,000 | 21.4% |
| Royal Business Bank | 22 | 6.563% | $490,000 | 0.0% |
| Taylor Morrison Home Funding, Inc. | 21 | 6.125% | $425,000 | 8.7% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $505,000 | 21.4% |
| ARROWHEAD CENTRAL CREDIT UNION | 21 | 6.125% | $405,000 | 0.0% |
| Tomo Mortgage, LLC | 20 | 6.562% | $420,000 | 0.0% |
| MORTGAGEONE, INC. | 20 | 6.688% | $515,000 | 0.0% |
| THE GOLDEN 1 | 20 | 6.313% | $565,000 | 23.1% |
| ALAMEDA MORTGAGE CORPORATION | 20 | 6.313% | $390,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 20 | 6.500% | $445,000 | 0.0% |
| BAY EQUITY LLC | 20 | 6.625% | $465,000 | 0.0% |
| ARC HOME LLC | 19 | 7.250% | $355,000 | 5.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 18 | 6.625% | $490,000 | 0.0% |
| MLD MORTGAGE INC. | 18 | 6.563% | $410,000 | 5.3% |
| 549300DLBRGR2O0VNZ96 | 18 | 6.750% | $535,000 | 0.0% |
| Banner Bank | 17 | 7.375% | $435,000 | 26.1% |
| LoanUnited.com, LLC | 17 | 6.125% | $555,000 | 19.1% |
| UNION HOME MORTGAGE CORP. | 17 | 6.125% | $495,000 | 9.5% |
| Shea Mortgage Inc. | 17 | 6.000% | $535,000 | 15.0% |
| PACIFIC LENDING LLC | 17 | 6.750% | $445,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 17 | 7.250% | $465,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 16 | 7.250% | $420,000 | 36.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 16 | 6.563% | $420,000 | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.438% | $435,000 | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 16 | 6.000% | $260,000 | 0.0% |
| PCB Bank | 16 | Not published | $525,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 16 | 6.563% | $455,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 6.500% | $435,000 | 16.7% |
| NBKC BANK | 15 | 6.375% | $435,000 | 6.3% |
| VISION ONE MORTGAGE, INC. | 15 | 6.500% | $555,000 | 31.8% |
| BETTER MORTGAGE CORPORATION | 14 | 6.500% | $495,000 | 25.0% |
| USAA Federal Savings Bank | 14 | 6.500% | $350,000 | 44.4% |
| CALIFORNIA CREDIT UNION | 14 | 5.875% | $550,000 | 5.9% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.808% | $410,000 | 17.7% |
| Morgan Stanley Private Bank, National Association | 14 | 5.975% | $625,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 14 | 6.750% | $530,000 | 6.7% |
| HABITFACTORY USA, INC. | 14 | 6.875% | $485,000 | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 14 | 6.750% | $550,000 | 0.0% |
| Zions Bancorporation, N.A. | 13 | 6.250% | $575,000 | 25.0% |
| WESCOM CENTRAL CREDIT UNION | 13 | 6.750% | $255,000 | 45.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 6.000% | $365,000 | 22.2% |
| 254900J2RKTTDJSUWD76 | 13 | 6.625% | $565,000 | 0.0% |
| Click n' Close, Inc. | 13 | 7.250% | $225,000 | 7.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.625% | $340,000 | 23.8% |
| Logan Finance Corporation | 12 | 7.312% | $710,000 | 14.3% |
| NQM FUNDING, LLC | 12 | 6.999% | $475,000 | 20.0% |
| LENDSURE MORTGAGE CORP. | 12 | 7.875% | $560,000 | 7.1% |
| 9845007CY0EC0F59W414 | 12 | 7.000% | $640,000 | 0.0% |
| ALLIANT CREDIT UNION | 12 | 7.875% | $220,000 | 14.3% |
| Genisys Credit Union | 12 | 6.000% | $775,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 7.124% | $435,000 | 21.4% |
| F&A Federal Credit Union | 11 | 6.250% | $475,000 | 0.0% |
| 549300MPZDD9EFQ1E963 | 11 | 6.750% | $525,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 11 | 6.875% | $435,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 11 | 9.990% | $335,000 | 8.3% |
| NuVision Federal Credit Union | 11 | 6.375% | $375,000 | 8.3% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 9.875% | $320,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 10 | 6.688% | $390,000 | 14.3% |
| MORIA DEVELOPMENT, INC. | 10 | 6.688% | $400,000 | 9.1% |
| PARTNERS Federal Credit Union | 10 | 5.750% | $320,000 | 8.3% |
| Firefighters First Federal Credit Union | 10 | 6.000% | $530,000 | 9.1% |
| SUMMIT MORTGAGE BANKERS INC. | 10 | 6.500% | $530,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 37.5% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| 9845005BP6974AE5D838 | 9 | Under 10 loans | Under 10 loans | 8.3% |
| OAKTREE FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL LENDING CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 14.3% |
| Cornerstone First Mortgage, Inc | 8 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| VISTA POINT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| T. J. FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Filo Mortgage, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WALL FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 6 | 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 287 lenders each made 6 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.