Mortgage lenders in San Joaquin County
13,656 mortgages were made in San Joaquin County, California, in 2025, by 468 lenders. The median rate their borrowers got was 6.500% on a median loan of $395,000. Of 19,246 decisions, 4,532 were denials — 23.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,686 | 6.375% | $435,000 | 15.4% |
| Rocket Mortgage, LLC | 1,145 | 6.750% | $345,000 | 19.8% |
| LENNAR MORTGAGE, LLC | 727 | 4.990% | $605,000 | 9.5% |
| Loandepot.Com, LLC | 544 | 6.250% | $455,000 | 18.0% |
| THE LOAN STORE, INC. | 302 | 6.625% | $385,000 | 9.5% |
| PENNYMAC LOAN SERVICES, LLC | 275 | 6.490% | $455,000 | 17.1% |
| U.S. Bank National Association | 258 | 6.750% | $430,000 | 44.8% |
| THE GOLDEN 1 | 242 | 7.750% | $135,000 | 48.2% |
| Bank of America, National Association | 225 | 6.240% | $155,000 | 56.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 215 | 6.750% | $435,000 | 5.1% |
| GUARANTEED RATE, INC. | 204 | 6.350% | $365,000 | 9.0% |
| SPRING EQ, LLC | 189 | 9.550% | $85,000 | 59.9% |
| KBHS HOME LOANS, LLC | 176 | 6.113% | $575,000 | 14.1% |
| KIND LENDING, LLC | 173 | 6.625% | $425,000 | 31.2% |
| NATIONSTAR MORTGAGE LLC | 164 | 8.375% | $105,000 | 21.0% |
| PULTE MORTGAGE LLC | 163 | 5.625% | $665,000 | 13.8% |
| BMO Bank National Association | 160 | 8.630% | $165,000 | 47.6% |
| HOMEAMERICAN MORTGAGE CORPORATION | 156 | 4.999% | $565,000 | 3.7% |
| Paramount Residential Mortgage Group, Inc. | 150 | 6.250% | $375,000 | 2.0% |
| DHI MORTGAGE COMPANY, LTD. | 142 | 5.875% | $515,000 | 6.0% |
| JPMorgan Chase Bank, National Association | 141 | 6.375% | $425,000 | 19.8% |
| SUMMIT FUNDING, INC. | 137 | 6.500% | $375,000 | 5.5% |
| FIGURE LENDING LLC | 136 | 9.063% | $65,000 | 29.9% |
| VALLEY STRONG CREDIT UNION | 134 | 8.125% | $60,000 | 23.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 130 | 6.500% | $395,000 | 7.1% |
| GUILD MORTGAGE COMPANY | 128 | 6.500% | $465,000 | 1.4% |
| NEWREZ LLC | 120 | 6.625% | $385,000 | 42.4% |
| CMG MORTGAGE, INC. | 116 | 6.625% | $545,000 | 8.6% |
| Taylor Morrison Home Funding, Inc. | 115 | 6.625% | $575,000 | 13.5% |
| FREEDOM MORTGAGE CORPORATION | 113 | 6.250% | $435,000 | 19.3% |
| OCMBC, INC. | 100 | 6.875% | $380,000 | 16.9% |
| Broker Solutions, Inc. | 97 | 6.875% | $345,000 | 17.2% |
| Sierra Pacific Mortgage Company, Inc. | 97 | 6.500% | $395,000 | 5.6% |
| PNC Bank, National Association | 94 | 7.990% | $145,000 | 42.8% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 94 | 5.375% | $645,000 | 8.7% |
| Coastal Community Bank | 88 | 9.990% | $65,000 | 6.8% |
| Kiavi Funding, Inc. | 86 | 10.250% | $305,000 | 10.1% |
| BANK OF STOCKTON | 82 | Not published | $155,000 | 30.6% |
| Wells Fargo Bank, National Association | 80 | 6.375% | $345,000 | 22.9% |
| CALCON MUTUAL MORTGAGE LLC | 80 | 5.125% | $500,000 | 22.6% |
| UNCLE Credit Union | 79 | 6.490% | $105,000 | 31.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 75 | 6.125% | $225,000 | 2.6% |
| AMERITRUST MORTGAGE CORPORATION | 71 | 7.125% | $535,000 | 1.4% |
| Navy Federal Credit Union | 70 | 8.350% | $175,000 | 31.1% |
| GOLDEN EMPIRE MORTGAGE, INC. | 70 | 6.125% | $335,000 | 6.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 68 | 10.860% | $115,000 | 12.5% |
| STAR ONE Credit Union | 67 | 6.000% | $545,000 | 29.6% |
| FlexPoint, Inc. | 65 | 6.375% | $375,000 | 1.2% |
| JMAC LENDING, INC. | 64 | 6.375% | $405,000 | 7.2% |
| Patelco Credit Union | 63 | 8.000% | $105,000 | 18.1% |
| Commerce Home Mortgage, Inc. | 62 | 7.125% | $440,000 | 6.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 61 | 5.875% | $565,000 | 12.9% |
| AMWEST FUNDING CORP. | 61 | 6.875% | $375,000 | 4.6% |
| Fremont Bank | 58 | 8.250% | $145,000 | 46.9% |
| SCENIC OAKS FUNDING, LLC | 57 | 6.500% | $405,000 | 6.6% |
| AmeriSave Mortgage Corporation | 56 | 8.625% | $105,000 | 70.4% |
| Mortgage Research Center, LLC | 56 | 6.250% | $475,000 | 36.7% |
| INSPIRE HOME LOANS INC. | 56 | 6.625% | $540,000 | 3.1% |
| EVERETT FINANCIAL, INC. | 54 | 6.625% | $260,000 | 3.6% |
| Zions Bancorporation, N.A. | 54 | 6.125% | $700,000 | 15.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 51 | 6.500% | $455,000 | 7.3% |
| ALLIANT CREDIT UNION | 50 | 8.250% | $115,000 | 32.0% |
| NEXERA HOLDING LLC | 48 | 7.625% | $310,000 | 14.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 44 | 6.625% | $420,000 | 10.2% |
| TRIAD FINANCIAL SERVICES, INC. | 43 | 8.800% | $125,000 | 23.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 43 | 6.375% | $545,000 | 10.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 40 | 8.313% | $100,000 | 28.1% |
| 254900YZ174H294JW398 | 40 | 6.625% | $705,000 | 6.7% |
| LAKEVIEW LOAN SERVICING, LLC | 39 | 6.125% | $485,000 | 61.9% |
| Farmers & Merchants Bank of Central California | 37 | Not published | $205,000 | 34.4% |
| PACIFIC SERVICE CREDIT UNION | 37 | 7.990% | $105,000 | 10.4% |
| Lendage, LLC | 35 | 11.125% | $75,000 | 13.0% |
| SAFE Credit Union | 35 | 5.875% | $775,000 | 5.4% |
| GOOGAIN, INC. | 35 | 6.500% | $485,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 34 | 6.058% | $475,000 | 7.1% |
| SCHOOLSFIRST | 34 | 6.500% | $115,000 | 26.1% |
| Equity Prime Mortgage LLC | 32 | 6.250% | $360,000 | 23.8% |
| A&D Mortgage LLC | 32 | 6.433% | $425,000 | 17.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 32 | 6.490% | $250,000 | 25.0% |
| Fairway Independent Mortgage Corporation | 32 | 6.490% | $495,000 | 8.6% |
| Synergy One Lending, Inc. | 30 | 6.500% | $435,000 | 6.1% |
| MORTGAGEONE, INC. | 30 | 6.813% | $545,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 29 | 6.375% | $215,000 | 15.8% |
| General Mortgage Capital Corporation | 29 | 6.625% | $495,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 28 | 7.125% | $400,000 | 52.2% |
| NexBank | 28 | 6.500% | $500,000 | 29.3% |
| Provident Credit Union | 28 | 5.750% | $620,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 27 | 6.990% | $135,000 | 53.1% |
| RESICENTRAL, LLC | 27 | 6.625% | $375,000 | 3.2% |
| 1ST UNITED SERVICES CREDIT UNION | 26 | 5.500% | $115,000 | 38.3% |
| Citibank, National Association | 25 | 6.125% | $415,000 | 40.5% |
| HOMEXPRESS MORTGAGE CORP. | 25 | 7.500% | $385,000 | 51.9% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 25 | 6.375% | $405,000 | 7.4% |
| LAND HOME FINANCIAL SERVICES, INC. | 25 | 6.875% | $485,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 24 | 6.563% | $340,000 | 11.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 24 | 6.438% | $470,000 | 7.7% |
| TECHNOLOGY CREDIT UNION | 23 | 7.500% | $105,000 | 30.0% |
| PENTAGON FEDERAL CREDIT UNION | 23 | 7.750% | $155,000 | 40.0% |
| Citadel Servicing Corporation | 23 | 7.250% | $345,000 | 5.1% |
| PLAZA HOME MORTGAGE, INC. | 23 | 6.375% | $355,000 | 41.0% |
| CHAMPIONS FUNDING, LLC | 22 | 8.125% | $425,000 | 38.9% |
| Discover Bank | 21 | 8.930% | $75,000 | 80.7% |
| GoodLeap, LLC | 20 | 6.870% | $100,000 | 11.4% |
| Valon Mortgage, Inc. | 20 | 9.350% | $55,000 | 17.7% |
| GUIDANCE RESIDENTIAL, LLC | 20 | 6.875% | $550,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 19 | 6.375% | $405,000 | 13.0% |
| MERIWEST | 19 | 6.390% | $245,000 | 34.5% |
| TRAVIS CREDIT UNION | 19 | 6.990% | $165,000 | 5.0% |
| NMSI, INC. | 19 | 6.500% | $455,000 | 0.0% |
| PHH Mortgage Corporation | 18 | 5.750% | $545,000 | 10.0% |
| GO MORTGAGE, LLC | 18 | 6.490% | $460,000 | 0.0% |
| CHEVRON Federal Credit Union | 18 | 5.938% | $750,000 | 14.3% |
| Mirastar Federal Credit Union | 17 | 7.750% | $125,000 | 34.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 17 | 7.990% | $385,000 | 15.0% |
| PLANET HOME LENDING, LLC | 17 | 5.875% | $535,000 | 19.1% |
| ROYAL PACIFIC FUNDING CORP. | 17 | 6.375% | $375,000 | 0.0% |
| CONVENTUS LLC | 17 | 9.490% | $345,000 | 5.6% |
| QUORUM FEDERAL CREDIT UNION | 16 | 9.625% | $145,000 | 40.0% |
| GUARANTEED RATE AFFINITY, LLC | 16 | 6.575% | $350,000 | 0.0% |
| Watermark Capital, Inc. | 16 | 6.750% | $390,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 16 | 6.813% | $345,000 | 0.0% |
| DAS Acquisition Company, LLC | 16 | 6.490% | $375,000 | 0.0% |
| Shea Mortgage Inc. | 16 | 5.938% | $635,000 | 5.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 6.625% | $285,000 | 58.3% |
| Operating Engineers Local Union #3 | 15 | 8.375% | $115,000 | 21.1% |
| Cornerstone First Mortgage, Inc | 15 | 6.625% | $395,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 15 | 6.375% | $515,000 | 0.0% |
| MISSION LOANS, LLC | 14 | 8.688% | $155,000 | 25.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 14 | 6.125% | $600,000 | 26.3% |
| Hometown Equity Mortgage, LLC | 14 | 7.750% | $325,000 | 65.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 6.500% | $500,000 | 11.1% |
| KEYPOINT Credit Union | 14 | 6.490% | $255,000 | 20.0% |
| Firefighters First Federal Credit Union | 14 | 8.000% | $155,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 13 | 6.125% | $355,000 | 50.0% |
| LoanUnited.com, LLC | 13 | 6.125% | $485,000 | 6.7% |
| Flagstar Bank, N.A. | 13 | 6.500% | $315,000 | 41.7% |
| STANFORD Federal Credit Union | 13 | 7.500% | $145,000 | 26.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 13 | 6.875% | $375,000 | 9.5% |
| Home Mortgage Alliance Corporation (HMAC) | 13 | 7.625% | $325,000 | 22.2% |
| MOVEMENT MORTGAGE, LLC | 13 | 6.562% | $405,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 13 | 6.625% | $435,000 | 0.0% |
| First National Bank of America | 13 | 8.865% | $325,000 | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 13 | 10.000% | $365,000 | 7.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 13 | 6.125% | $455,000 | 0.0% |
| SNAPFI, INC. | 13 | 6.250% | $425,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 12 | 8.370% | $290,000 | 60.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 12 | 6.123% | $630,000 | 18.8% |
| GENWAY HOME MORTGAGE, INC. | 12 | 7.375% | $485,000 | 47.8% |
| GTE Federal Credit Union | 12 | 9.125% | $105,000 | 25.0% |
| NEW WAVE LENDING GROUP INC | 11 | 7.500% | $325,000 | 8.3% |
| MLD MORTGAGE INC. | 11 | 6.125% | $385,000 | 0.0% |
| Mechanics Bank | 11 | 6.375% | $495,000 | 0.0% |
| NQM FUNDING, LLC | 11 | 7.874% | $495,000 | 8.3% |
| DIGITAL | 10 | 7.625% | $160,000 | 28.6% |
| Plains Commerce Bank | 10 | 6.250% | $350,000 | 0.0% |
| ARC HOME LLC | 10 | 6.813% | $345,000 | 26.7% |
| OriginPoint, LLC | 10 | 6.500% | $425,000 | 0.0% |
| Greenbox Loans, Inc. | 10 | 8.813% | $375,000 | 0.0% |
| Self-Help Federal Credit Union | 10 | 8.375% | $360,000 | 16.7% |
| VAL-CHRIS INVESTMENTS, INC. | 10 | 13.745% | $120,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 85.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 36.8% |
| Bethpage Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 57.1% |
| CAKE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Umpqua Bank | 9 | Under 10 loans | Under 10 loans | 47.1% |
| OAKTREE FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 5.9% |
| CANOPY MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CLEAREDGE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Comerica Bank | 8 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| ML Mortgage Corp. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| DIGNIFIED HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 70.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Filo Mortgage, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| BAY EQUITY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Farm Credit Mid-America | 7 | Under 10 loans | Under 10 loans | 18.2% |
| HomeTrust Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Banner Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| USALLIANCE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 268 lenders each made 6 or fewer mortgages here, and are counted in the totals above.
Bank branches in San Joaquin County
88 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Farmers & Merchants Bank of Central California | 11 | $2.2 billion |
| BMO Bank National Association | 11 | $1.0 billion |
| Wells Fargo Bank, National Association | 10 | $2.9 billion |
| JPMorgan Chase Bank, National Association | 9 | $2.2 billion |
| Bank of America, National Association | 8 | $2.5 billion |
| Bank of Stockton | 8 | $2.4 billion |
| PNC Bank, National Association | 7 | $608.0 million |
| U.S. Bank National Association | 7 | $530.0 million |
| Oak Valley Community Bank | 6 | $526.0 million |
| BAC Community Bank | 3 | $434.0 million |
| Community West Bank | 2 | $133.9 million |
| United Business Bank | 2 | $84.5 million |
| Citizens Business Bank, National Association | 2 | $83.3 million |
| Citibank, National Association | 1 | $140.0 million |
| Mechanics Bank | 1 | $45.5 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Mission Bank, 3121 W March Ln, Ste 210, Stockton
- Wells Fargo Bank, National Association, 19000 N Highway 88, Lockeford
Get told when this changes
When the next year’s lending figures are out for San Joaquin County, or a lender arrives or leaves.
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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.