Home purchase lenders in San Joaquin County
7,320 home purchase mortgages were made in San Joaquin County, California, in 2025, by 347 lenders. The median rate their borrowers got was 6.306% on a median loan of $485,000. Of 8,477 decisions, 885 were denials — 10.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 985 | 6.375% | $435,000 | 10.2% |
| LENNAR MORTGAGE, LLC | 727 | 4.990% | $605,000 | 9.5% |
| Rocket Mortgage, LLC | 371 | 6.500% | $465,000 | 10.5% |
| Loandepot.Com, LLC | 326 | 5.875% | $505,000 | 10.6% |
| KBHS HOME LOANS, LLC | 176 | 6.113% | $575,000 | 14.1% |
| THE LOAN STORE, INC. | 172 | 6.490% | $415,000 | 3.0% |
| PULTE MORTGAGE LLC | 163 | 5.625% | $665,000 | 13.8% |
| HOMEAMERICAN MORTGAGE CORPORATION | 156 | 4.999% | $565,000 | 3.7% |
| GUARANTEED RATE, INC. | 153 | 6.250% | $385,000 | 5.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 149 | 6.625% | $475,000 | 0.7% |
| DHI MORTGAGE COMPANY, LTD. | 142 | 5.875% | $515,000 | 6.0% |
| KIND LENDING, LLC | 135 | 6.500% | $445,000 | 26.7% |
| Paramount Residential Mortgage Group, Inc. | 131 | 6.250% | $375,000 | 0.8% |
| SUMMIT FUNDING, INC. | 116 | 6.500% | $375,000 | 3.3% |
| Taylor Morrison Home Funding, Inc. | 115 | 6.625% | $575,000 | 13.5% |
| GUILD MORTGAGE COMPANY | 114 | 6.500% | $475,000 | 0.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 107 | 6.625% | $395,000 | 3.6% |
| U.S. Bank National Association | 106 | 6.375% | $565,000 | 9.9% |
| CMG MORTGAGE, INC. | 94 | 6.625% | $570,000 | 2.8% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 94 | 5.375% | $645,000 | 8.7% |
| PENNYMAC LOAN SERVICES, LLC | 89 | 6.375% | $515,000 | 17.3% |
| Sierra Pacific Mortgage Company, Inc. | 83 | 6.500% | $405,000 | 2.3% |
| Kiavi Funding, Inc. | 80 | 10.250% | $310,000 | 7.8% |
| CALCON MUTUAL MORTGAGE LLC | 79 | 5.125% | $505,000 | 22.9% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 70 | 6.000% | $215,000 | 2.7% |
| OCMBC, INC. | 65 | 6.875% | $405,000 | 10.8% |
| Broker Solutions, Inc. | 63 | 6.625% | $415,000 | 3.1% |
| GOLDEN EMPIRE MORTGAGE, INC. | 63 | 5.990% | $345,000 | 7.4% |
| JPMorgan Chase Bank, National Association | 62 | 6.375% | $465,000 | 12.3% |
| AMERITRUST MORTGAGE CORPORATION | 61 | 6.990% | $555,000 | 1.6% |
| INSPIRE HOME LOANS INC. | 56 | 6.625% | $540,000 | 3.1% |
| FlexPoint, Inc. | 54 | 6.250% | $400,000 | 0.0% |
| Bank of America, National Association | 51 | 6.250% | $425,000 | 26.1% |
| SCENIC OAKS FUNDING, LLC | 49 | 6.490% | $425,000 | 7.6% |
| Wells Fargo Bank, National Association | 48 | 6.375% | $435,000 | 7.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 45 | 6.500% | $475,000 | 6.3% |
| EVERETT FINANCIAL, INC. | 44 | 6.438% | $345,000 | 2.2% |
| THE GOLDEN 1 | 44 | 6.000% | $805,000 | 17.0% |
| TRIAD FINANCIAL SERVICES, INC. | 43 | 8.800% | $125,000 | 24.0% |
| JMAC LENDING, INC. | 43 | 6.490% | $455,000 | 8.5% |
| Mortgage Research Center, LLC | 41 | 6.375% | $465,000 | 10.6% |
| Commerce Home Mortgage, Inc. | 41 | 7.000% | $405,000 | 8.9% |
| BMO Bank National Association | 40 | 6.500% | $405,000 | 25.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 40 | 6.625% | $425,000 | 11.1% |
| 254900YZ174H294JW398 | 40 | 6.625% | $705,000 | 6.7% |
| NEWREZ LLC | 36 | 6.438% | $465,000 | 14.3% |
| AMWEST FUNDING CORP. | 32 | 6.750% | $410,000 | 2.9% |
| SAFE Credit Union | 30 | 5.875% | $820,000 | 3.2% |
| Fairway Independent Mortgage Corporation | 29 | 6.495% | $505,000 | 3.3% |
| MORTGAGEONE, INC. | 28 | 6.688% | $575,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 26 | 6.125% | $460,000 | 9.1% |
| Synergy One Lending, Inc. | 24 | 6.563% | $435,000 | 3.9% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 23 | 6.375% | $475,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 22 | 6.438% | $595,000 | 8.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 21 | 6.990% | $485,000 | 0.0% |
| STAR ONE Credit Union | 20 | 6.000% | $575,000 | 13.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 20 | 6.125% | $420,000 | 13.8% |
| Provident Credit Union | 19 | 5.500% | $625,000 | 0.0% |
| Navy Federal Credit Union | 18 | 6.063% | $550,000 | 10.0% |
| RESICENTRAL, LLC | 18 | 6.490% | $420,000 | 0.0% |
| GOOGAIN, INC. | 18 | 6.625% | $500,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 18 | 6.250% | $450,000 | 5.3% |
| NEXERA HOLDING LLC | 17 | 7.250% | $415,000 | 19.1% |
| GO MORTGAGE, LLC | 17 | 6.490% | $465,000 | 0.0% |
| Zions Bancorporation, N.A. | 16 | 6.313% | $685,000 | 10.7% |
| CHAMPIONS FUNDING, LLC | 16 | 8.250% | $385,000 | 30.4% |
| Shea Mortgage Inc. | 16 | 5.938% | $635,000 | 5.9% |
| NATIONS DIRECT MORTGAGE, LLC | 15 | 6.500% | $415,000 | 6.3% |
| General Mortgage Capital Corporation | 15 | 6.750% | $425,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 14 | 6.250% | $500,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 14 | 6.813% | $360,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 13 | 6.875% | $375,000 | 9.5% |
| PNC Bank, National Association | 13 | 6.750% | $445,000 | 27.8% |
| ZILLOW HOME LOANS, LLC | 13 | 6.625% | $435,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 13 | 6.875% | $555,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 13 | 6.562% | $405,000 | 0.0% |
| NMSI, INC. | 13 | 6.500% | $585,000 | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 12 | 7.375% | $485,000 | 42.9% |
| A&D Mortgage LLC | 12 | 6.558% | $495,000 | 7.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.625% | $485,000 | 0.0% |
| First National Bank of America | 12 | 8.745% | $350,000 | 0.0% |
| DAS Acquisition Company, LLC | 12 | 6.433% | $395,000 | 0.0% |
| CONVENTUS LLC | 12 | 9.500% | $335,000 | 0.0% |
| SNAPFI, INC. | 12 | 6.188% | $415,000 | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 11 | 10.000% | $375,000 | 8.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 11 | 6.125% | $325,000 | 0.0% |
| Equity Prime Mortgage LLC | 10 | 6.625% | $345,000 | 23.1% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.058% | $415,000 | 0.0% |
| CHEVRON Federal Credit Union | 10 | 5.750% | $870,000 | 9.1% |
| Citibank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Watermark Capital, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 85.7% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Bank of Central California | 8 | Under 10 loans | Under 10 loans | 18.2% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| UIF CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| VALLEY STRONG CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 56.3% |
| Tomo Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Patelco Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Fremont Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF STOCKTON | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Home Mortgage Alliance Corporation (HMAC) | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BAY EQUITY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 6.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 41.7% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Farm Credit Mid-America | 6 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 12.5% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| FRANKLIN LOAN CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 549300DLBRGR2O0VNZ96 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.1% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GEO-CORP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ML Mortgage Corp. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL LENDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Quontic Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Vellum Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Peak Residential Lending Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mirastar Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SACRAMENTO Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Banner 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 147 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.