Refinancing lenders in San Bernardino County
4,786 refinancing mortgages were made in San Bernardino County, California, in 2025, by 398 lenders. The median rate their borrowers got was 6.125% on a median loan of $435,000. Of 7,109 decisions, 1,679 were denials — 23.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 971 | 5.976% | $495,000 | 20.7% |
| Rocket Mortgage, LLC | 381 | 5.990% | $445,000 | 28.9% |
| FREEDOM MORTGAGE CORPORATION | 210 | 6.125% | $460,000 | 7.1% |
| Bank of America, National Association | 128 | 6.240% | $155,000 | 37.7% |
| OCMBC, INC. | 127 | 6.500% | $485,000 | 4.9% |
| PENNYMAC LOAN SERVICES, LLC | 109 | 5.999% | $435,000 | 22.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 102 | 6.125% | $485,000 | 8.3% |
| U.S. Bank National Association | 89 | 6.375% | $445,000 | 14.1% |
| NEWREZ LLC | 83 | 5.750% | $445,000 | 33.3% |
| PLANET HOME LENDING, LLC | 82 | 5.750% | $490,000 | 13.3% |
| FINANCE OF AMERICA REVERSE LLC | 71 | 6.500% | $285,000 | 15.5% |
| Loandepot.Com, LLC | 65 | 5.933% | $435,000 | 15.2% |
| JPMorgan Chase Bank, National Association | 63 | 6.125% | $425,000 | 17.7% |
| NATIONSTAR MORTGAGE LLC | 59 | 6.125% | $405,000 | 19.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 59 | 6.125% | $245,000 | 11.6% |
| ML Mortgage Corp. | 57 | 6.125% | $445,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 48 | 6.183% | $460,000 | 15.0% |
| Broker Solutions, Inc. | 46 | 6.500% | $410,000 | 20.7% |
| CMG MORTGAGE, INC. | 46 | 8.052% | $230,000 | 8.5% |
| THE LOAN STORE, INC. | 40 | 6.490% | $445,000 | 12.0% |
| Paramount Residential Mortgage Group, Inc. | 38 | 6.125% | $445,000 | 5.0% |
| Third Federal Savings and Loan Association of Cleveland | 38 | 6.990% | $185,000 | 49.4% |
| SCHOOLSFIRST | 38 | 5.875% | $495,000 | 23.5% |
| ROYAL PACIFIC FUNDING CORP. | 36 | 5.870% | $425,000 | 0.0% |
| GUARANTEED RATE, INC. | 35 | 6.125% | $605,000 | 14.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 35 | 5.875% | $555,000 | 12.5% |
| LONGBRIDGE FINANCIAL, LLC | 35 | 6.625% | $235,000 | 15.6% |
| AAA CAPITAL INVESTMENT, INC. | 35 | 6.125% | $495,000 | 2.3% |
| East West Bank | 34 | 6.313% | $385,000 | 5.3% |
| LAKEVIEW LOAN SERVICING, LLC | 33 | 6.250% | $415,000 | 60.6% |
| PHH Mortgage Corporation | 33 | 5.990% | $395,000 | 22.7% |
| NEW WAVE LENDING GROUP INC | 33 | 6.625% | $425,000 | 0.0% |
| A&D Mortgage LLC | 33 | 6.125% | $495,000 | 2.9% |
| Mortgage Research Center, LLC | 32 | 5.750% | $375,000 | 52.2% |
| General Mortgage Capital Corporation | 28 | 6.125% | $480,000 | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 26 | 6.000% | $240,000 | 16.1% |
| SPRING EQ, LLC | 24 | 8.925% | $120,000 | 58.1% |
| NMSI, INC. | 23 | 6.000% | $555,000 | 0.0% |
| ONY GLO, INC. | 22 | 6.933% | $330,000 | 56.0% |
| Zions Bancorporation, N.A. | 22 | 6.250% | $255,000 | 31.7% |
| AMWEST FUNDING CORP. | 21 | 5.750% | $545,000 | 7.7% |
| LoanUnited.com, LLC | 20 | 5.688% | $475,000 | 31.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 20 | 6.250% | $385,000 | 40.0% |
| Equity Prime Mortgage LLC | 19 | 6.000% | $575,000 | 9.5% |
| Lendage, LLC | 19 | 10.250% | $125,000 | 8.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 18 | 6.125% | $455,000 | 10.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.313% | $565,000 | 17.4% |
| Discover Bank | 17 | 8.730% | $85,000 | 70.7% |
| CHAMPIONS FUNDING, LLC | 17 | 7.125% | $415,000 | 39.3% |
| Wells Fargo Bank, National Association | 17 | 5.860% | $310,000 | 15.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.625% | $435,000 | 34.6% |
| EMET LENDING GROUP, INC. | 17 | 7.000% | $535,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 16 | 6.750% | $405,000 | 5.9% |
| Kiavi Funding, Inc. | 16 | 7.625% | $275,000 | 18.2% |
| Flagstar Bank, N.A. | 16 | 7.125% | $430,000 | 33.3% |
| EZ FUNDINGS INC. | 16 | 6.370% | $395,000 | 0.0% |
| MISSION LOANS, LLC | 15 | 8.250% | $135,000 | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 15 | 8.990% | $205,000 | 6.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.490% | $555,000 | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 15 | 6.000% | $515,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 15 | 5.875% | $445,000 | 5.9% |
| FOOTHILL FEDERAL CREDIT UNION | 15 | 5.500% | $245,000 | 21.1% |
| HIGHTECHLENDING INC | 15 | 6.000% | $285,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.250% | $400,000 | 59.0% |
| INTELLILOAN, INC. | 14 | 6.000% | $420,000 | 11.1% |
| KIND LENDING, LLC | 14 | 6.188% | $530,000 | 37.5% |
| NQM FUNDING, LLC | 14 | 7.749% | $560,000 | 33.3% |
| ALLIANT CREDIT UNION | 14 | 8.750% | $210,000 | 17.7% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 14 | 5.898% | $1,025,000 | 12.5% |
| PNC Bank, National Association | 13 | 8.250% | $185,000 | 48.2% |
| BAY-VALLEY MORTGAGE GROUP | 13 | 5.875% | $615,000 | 0.0% |
| VISTA POINT MORTGAGE, LLC | 13 | 8.375% | $295,000 | 13.0% |
| SmartFi Home Loans, LLC | 13 | 6.750% | $315,000 | 35.0% |
| NexBank | 13 | 6.375% | $475,000 | 22.2% |
| Cathay Bank | 13 | 6.250% | $395,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 12 | 7.313% | $525,000 | 29.4% |
| DATA MORTGAGE, INC. | 12 | 6.125% | $430,000 | 0.0% |
| Navy Federal Credit Union | 11 | 6.000% | $485,000 | 54.2% |
| FRONTWAVE | 11 | 8.000% | $75,000 | 26.7% |
| ARROWHEAD CENTRAL CREDIT UNION | 11 | 5.625% | $405,000 | 15.4% |
| F&A Federal Credit Union | 11 | 7.000% | $95,000 | 0.0% |
| ENNKAR, INC. | 11 | 6.375% | $345,000 | 0.0% |
| AHL FUNDING | 10 | 6.563% | $500,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 10 | 7.125% | $420,000 | 54.6% |
| CLEARPATH LENDING | 10 | 5.933% | $425,000 | 9.1% |
| SUMMIT MORTGAGE BANKERS INC. | 10 | 6.125% | $455,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 57.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 9.1% |
| T. J. FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| GENWAY HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 7.7% |
| City National Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Fidelity Lending Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 25.0% |
| STG MORTGAGE INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ROYAL UNITED MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Financial Partners Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Sierra Pacific Mortgage Company, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NuVision Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| VICTORIA FINANCIAL CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ResMac, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| COAST 2 COAST FUNDING GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Comerica Bank | 6 | Under 10 loans | Under 10 loans | 56.3% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BANC ONE MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| KINECTA | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 12.5% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE GOLDEN 1 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Greenbox Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 35.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 60.0% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 44.4% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PCB Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Pacific Premier Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CALIFORNIA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Global Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900J2RKTTDJSUWD76 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 57.1% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Royal Business Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 549300MPZDD9EFQ1E963 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Eagle Community Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPOS FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 63.6% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Los Angeles Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOGIX FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Rize Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WATER AND POWER COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | 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 198 lenders each made 2 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.