Mortgage lenders in Stanislaus County
7,867 mortgages were made in Stanislaus County, California, in 2025, by 386 lenders. The median rate their borrowers got was 6.625% on a median loan of $335,000. Of 11,203 decisions, 2,734 were denials — 24.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 931 | 6.260% | $395,000 | 16.5% |
| Rocket Mortgage, LLC | 746 | 6.875% | $265,000 | 18.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 319 | 6.750% | $385,000 | 3.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 208 | 6.500% | $405,000 | 5.0% |
| KIND LENDING, LLC | 205 | 6.500% | $395,000 | 25.1% |
| GUARANTEED RATE, INC. | 198 | 6.500% | $385,000 | 10.8% |
| SCENIC OAKS FUNDING, LLC | 196 | 6.500% | $405,000 | 3.9% |
| GUILD MORTGAGE COMPANY | 185 | 6.250% | $365,000 | 3.3% |
| THE GOLDEN 1 | 177 | 7.875% | $105,000 | 40.8% |
| Loandepot.Com, LLC | 174 | 6.990% | $180,000 | 28.6% |
| KBHS HOME LOANS, LLC | 168 | 5.990% | $515,000 | 9.2% |
| THE LOAN STORE, INC. | 157 | 6.625% | $385,000 | 12.3% |
| JPMorgan Chase Bank, National Association | 147 | 6.500% | $285,000 | 9.5% |
| Bank of America, National Association | 145 | 6.240% | $105,000 | 55.7% |
| SPRING EQ, LLC | 142 | 9.500% | $75,000 | 58.5% |
| PENNYMAC LOAN SERVICES, LLC | 126 | 6.625% | $330,000 | 23.1% |
| NATIONSTAR MORTGAGE LLC | 124 | 8.750% | $85,000 | 25.4% |
| BMO Bank National Association | 121 | 8.740% | $115,000 | 51.8% |
| U.S. Bank National Association | 108 | 7.925% | $155,000 | 55.2% |
| Synergy One Lending, Inc. | 97 | 6.490% | $365,000 | 2.9% |
| Paramount Residential Mortgage Group, Inc. | 97 | 6.375% | $375,000 | 3.9% |
| FREEDOM MORTGAGE CORPORATION | 92 | 6.250% | $395,000 | 13.9% |
| DHI MORTGAGE COMPANY, LTD. | 90 | 5.188% | $485,000 | 4.2% |
| Kiavi Funding, Inc. | 89 | 9.750% | $315,000 | 6.3% |
| LENNAR MORTGAGE, LLC | 87 | 4.750% | $455,000 | 16.4% |
| FlexPoint, Inc. | 81 | 6.250% | $415,000 | 1.7% |
| FIGURE LENDING LLC | 79 | 8.850% | $65,000 | 24.7% |
| NEWREZ LLC | 71 | 6.990% | $205,000 | 39.2% |
| OCMBC, INC. | 70 | 7.000% | $370,000 | 15.4% |
| Broker Solutions, Inc. | 67 | 6.750% | $305,000 | 19.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 60 | 6.500% | $405,000 | 7.5% |
| PNC Bank, National Association | 57 | 7.490% | $175,000 | 35.2% |
| Farmers & Merchants Bank of Central California | 52 | Not published | $220,000 | 33.3% |
| Coastal Community Bank | 48 | 10.615% | $55,000 | 3.0% |
| Mortgage Research Center, LLC | 48 | 6.250% | $430,000 | 31.9% |
| GOLDEN EMPIRE MORTGAGE, INC. | 47 | 6.125% | $355,000 | 16.7% |
| FRANKLIN LOAN CORPORATION | 47 | 6.500% | $365,000 | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 43 | 5.250% | $485,000 | 18.9% |
| JMAC LENDING, INC. | 43 | 6.625% | $405,000 | 6.5% |
| TRIAD FINANCIAL SERVICES, INC. | 42 | 8.760% | $95,000 | 29.5% |
| Wells Fargo Bank, National Association | 41 | 6.500% | $255,000 | 40.6% |
| Navy Federal Credit Union | 39 | 9.100% | $85,000 | 40.3% |
| Sierra Pacific Mortgage Company, Inc. | 36 | 6.563% | $395,000 | 15.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 35 | 10.470% | $115,000 | 14.3% |
| AmeriSave Mortgage Corporation | 34 | 9.250% | $65,000 | 67.0% |
| LAKEVIEW LOAN SERVICING, LLC | 33 | 6.375% | $305,000 | 59.6% |
| 21st Mortgage Corporation | 30 | 10.435% | $85,000 | 67.0% |
| Tri Counties Bank | 30 | 6.125% | $105,000 | 45.2% |
| BANK OF STOCKTON | 29 | Not published | $235,000 | 32.6% |
| ALAMEDA MORTGAGE CORPORATION | 29 | 6.625% | $425,000 | 3.3% |
| Lendage, LLC | 29 | 11.000% | $65,000 | 11.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 27 | 6.500% | $405,000 | 10.0% |
| Equity Prime Mortgage LLC | 26 | 6.250% | $415,000 | 18.8% |
| Umpqua Bank | 26 | 7.750% | $185,000 | 27.8% |
| FINANCE OF AMERICA REVERSE LLC | 25 | 6.570% | $195,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.688% | $230,000 | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 24 | 6.990% | $125,000 | 37.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 24 | 6.438% | $415,000 | 17.2% |
| LEADERONE FINANCIAL CORPORATION | 24 | 6.188% | $425,000 | 0.0% |
| CMG MORTGAGE, INC. | 23 | 6.750% | $405,000 | 17.9% |
| QUORUM FEDERAL CREDIT UNION | 23 | 9.250% | $105,000 | 27.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 22 | 6.750% | $410,000 | 4.4% |
| Fairway Independent Mortgage Corporation | 20 | 6.688% | $365,000 | 23.1% |
| Patelco Credit Union | 19 | 8.125% | $105,000 | 20.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 19 | 6.000% | $425,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 18 | 6.990% | $500,000 | 9.5% |
| NEXERA HOLDING LLC | 18 | 7.750% | $320,000 | 18.2% |
| LAND HOME FINANCIAL SERVICES, INC. | 18 | 6.933% | $385,000 | 13.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 8.115% | $125,000 | 22.7% |
| Citibank, National Association | 17 | 7.800% | $75,000 | 32.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 17 | 6.125% | $405,000 | 20.0% |
| AMWEST FUNDING CORP. | 17 | 7.250% | $335,000 | 15.0% |
| EVERETT FINANCIAL, INC. | 17 | 6.375% | $415,000 | 0.0% |
| STAR ONE Credit Union | 17 | 6.625% | $135,000 | 26.7% |
| UNION HOME MORTGAGE CORP. | 17 | 6.250% | $385,000 | 10.5% |
| Fremont Bank | 16 | 8.625% | $165,000 | 55.3% |
| RESICENTRAL, LLC | 16 | 6.370% | $330,000 | 5.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 6.499% | $345,000 | 60.4% |
| CHAMPIONS FUNDING, LLC | 15 | 7.625% | $365,000 | 48.3% |
| A&D Mortgage LLC | 15 | 6.490% | $395,000 | 21.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 15 | 6.990% | $415,000 | 16.7% |
| Valon Mortgage, Inc. | 14 | 9.175% | $55,000 | 9.5% |
| HOMEXPRESS MORTGAGE CORP. | 14 | 7.188% | $280,000 | 36.4% |
| SUMMIT FUNDING, INC. | 14 | 6.625% | $430,000 | 0.0% |
| PLANET HOME LENDING, LLC | 14 | 5.990% | $400,000 | 21.1% |
| Discover Bank | 13 | 8.950% | $65,000 | 81.4% |
| 254900M2C4Q6DATP2889 | 13 | 6.375% | $355,000 | 27.8% |
| Citadel Servicing Corporation | 13 | 7.125% | $285,000 | 0.0% |
| LoanUnited.com, LLC | 13 | 6.000% | $445,000 | 13.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 12 | 5.750% | $440,000 | 21.4% |
| Hometown Equity Mortgage, LLC | 12 | 6.995% | $280,000 | 62.5% |
| AMERITRUST MORTGAGE CORPORATION | 12 | 6.933% | $435,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | 6.625% | $475,000 | 7.7% |
| SCHOOLSFIRST | 12 | 6.313% | $115,000 | 18.8% |
| CAKE MORTGAGE CORP. | 12 | 7.188% | $385,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 11 | 7.750% | $175,000 | 60.7% |
| PHH Mortgage Corporation | 11 | 5.625% | $265,000 | 8.3% |
| Greenbox Loans, Inc. | 11 | 7.875% | $275,000 | 0.0% |
| Firefighters First Federal Credit Union | 11 | 7.750% | $115,000 | 15.4% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.990% | $405,000 | 0.0% |
| NFM, INC. | 11 | 4.990% | $525,000 | 0.0% |
| ALLIANT CREDIT UNION | 10 | 8.750% | $125,000 | 61.8% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 10 | 4.990% | $555,000 | 23.1% |
| NATIONS DIRECT MORTGAGE, LLC | 10 | 7.183% | $250,000 | 0.0% |
| GOOGAIN, INC. | 10 | 6.750% | $325,000 | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 43.8% |
| TRAVIS CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PACIFIC SERVICE CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 9.1% |
| AMERICAN INTERNET MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 46.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 25.0% |
| UNCLE Credit Union | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MISSION LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 8.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| CLEAREDGE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| VAL-CHRIS INVESTMENTS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 41.4% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 46.2% |
| NEW WAVE LENDING GROUP INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 46.2% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| MERIWEST | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 27.3% |
| Operating Engineers Local Union #3 | 5 | Under 10 loans | Under 10 loans | 28.6% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 7.1% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VALLEY STRONG CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 20.0% |
| MYCUMORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 82.6% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Mechanics Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CITIZENS EQUITY FIRST | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 75.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mirastar Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Financial Partners Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mission City Federal Credit Union | 3 | 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 186 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Stanislaus County
77 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| BMO Bank National Association | 11 | $1.1 billion |
| Wells Fargo Bank, National Association | 9 | $2.0 billion |
| JPMorgan Chase Bank, National Association | 8 | $1.9 billion |
| Bank of America, National Association | 7 | $1.8 billion |
| Oak Valley Community Bank | 7 | $776.6 million |
| Farmers & Merchants Bank of Central California | 6 | $1.1 billion |
| U.S. Bank National Association | 5 | $504.7 million |
| Bank of Stockton | 4 | $663.1 million |
| Westamerica Bank | 4 | $311.4 million |
| Citibank, National Association | 3 | $486.0 million |
| PNC Bank, National Association | 3 | $332.4 million |
| Tri Counties Bank | 3 | $241.8 million |
| Mechanics Bank | 3 | $133.8 million |
| Community West Bank | 1 | $122.4 million |
| Columbia Bank | 1 | $71.9 million |
| BAC Community Bank | 1 | $40.1 million |
| Citizens Business Bank, National Association | 1 | $13.4 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Mechanics Bank, 1407 I St, Modesto
Get told when this changes
When the next year’s lending figures are out for Stanislaus 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.