Refinancing lenders in San Joaquin County
2,076 refinancing mortgages were made in San Joaquin County, California, in 2025, by 299 lenders. The median rate their borrowers got was 6.125% on a median loan of $495,000. Of 3,064 decisions, 764 were denials — 24.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 402 | 5.999% | $510,000 | 20.3% |
| Rocket Mortgage, LLC | 240 | 5.990% | $500,000 | 27.2% |
| PENNYMAC LOAN SERVICES, LLC | 102 | 6.124% | $540,000 | 9.0% |
| FREEDOM MORTGAGE CORPORATION | 67 | 6.000% | $475,000 | 15.4% |
| Loandepot.Com, LLC | 57 | 5.875% | $535,000 | 16.4% |
| U.S. Bank National Association | 53 | 6.000% | $565,000 | 23.7% |
| Bank of America, National Association | 51 | 6.125% | $185,000 | 39.3% |
| JPMorgan Chase Bank, National Association | 45 | 6.125% | $565,000 | 16.1% |
| THE LOAN STORE, INC. | 44 | 6.490% | $445,000 | 4.2% |
| Zions Bancorporation, N.A. | 36 | 6.125% | $730,000 | 13.5% |
| NEWREZ LLC | 31 | 6.250% | $495,000 | 36.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 30 | 5.750% | $615,000 | 5.0% |
| PNC Bank, National Association | 29 | 7.990% | $205,000 | 34.1% |
| THE GOLDEN 1 | 27 | 5.875% | $705,000 | 37.2% |
| NATIONSTAR MORTGAGE LLC | 26 | 5.990% | $440,000 | 27.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.250% | $505,000 | 10.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 6.375% | $515,000 | 8.3% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 5.750% | $540,000 | 56.8% |
| Patelco Credit Union | 20 | 8.000% | $200,000 | 8.7% |
| STAR ONE Credit Union | 19 | 5.750% | $725,000 | 28.1% |
| Fremont Bank | 18 | 8.250% | $190,000 | 41.9% |
| NexBank | 18 | 6.563% | $515,000 | 38.7% |
| BANK OF STOCKTON | 17 | Not published | $165,000 | 22.7% |
| FINANCE OF AMERICA REVERSE LLC | 16 | 6.000% | $230,000 | 15.0% |
| SPRING EQ, LLC | 15 | 9.500% | $85,000 | 48.3% |
| ALLIANT CREDIT UNION | 15 | 7.750% | $165,000 | 23.8% |
| GOOGAIN, INC. | 15 | 6.250% | $465,000 | 0.0% |
| GUARANTEED RATE, INC. | 14 | 5.933% | $490,000 | 15.8% |
| CMG MORTGAGE, INC. | 14 | 6.558% | $575,000 | 22.2% |
| KIND LENDING, LLC | 14 | 6.500% | $530,000 | 33.3% |
| Mortgage Research Center, LLC | 13 | 5.750% | $565,000 | 51.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 13 | 6.125% | $635,000 | 8.0% |
| A&D Mortgage LLC | 12 | 6.125% | $465,000 | 20.0% |
| Third Federal Savings and Loan Association of Cleveland | 12 | 6.990% | $155,000 | 46.2% |
| OCMBC, INC. | 12 | 6.563% | $395,000 | 22.2% |
| General Mortgage Capital Corporation | 12 | 6.495% | $535,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.375% | $240,000 | 7.1% |
| PHH Mortgage Corporation | 11 | 5.625% | $555,000 | 8.3% |
| PLANET HOME LENDING, LLC | 11 | 5.750% | $585,000 | 15.4% |
| BETTER MORTGAGE CORPORATION | 10 | 5.938% | $630,000 | 25.0% |
| SUMMIT FUNDING, INC. | 10 | 6.188% | $355,000 | 0.0% |
| UNCLE Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Bank of Central California | 9 | Under 10 loans | Under 10 loans | 30.8% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 73.9% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| LADERA LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NETWORK CAPITAL FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 27.3% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Provident Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| VALLEY STRONG CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Provident Savings Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| TECHNOLOGY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 42.9% |
| STANFORD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 1ST NORTHERN CALIFORNIA | 2 | Under 10 loans | Under 10 loans | 71.4% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Comerica Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTHLAND CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mirastar Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTWAVE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tri Counties Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mission City Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WARSHAW CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | 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 99 lenders each made 1 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.