Home purchase lenders in Stanislaus County
4,078 home purchase mortgages were made in Stanislaus County, California, in 2025, by 265 lenders. The median rate their borrowers got was 6.490% on a median loan of $415,000. Of 4,802 decisions, 554 were denials — 11.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 583 | 6.375% | $415,000 | 9.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 229 | 6.625% | $415,000 | 0.0% |
| Rocket Mortgage, LLC | 217 | 6.490% | $415,000 | 15.5% |
| SCENIC OAKS FUNDING, LLC | 177 | 6.500% | $415,000 | 3.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 177 | 6.500% | $405,000 | 3.8% |
| KIND LENDING, LLC | 168 | 6.438% | $415,000 | 21.0% |
| KBHS HOME LOANS, LLC | 168 | 5.990% | $515,000 | 9.2% |
| GUILD MORTGAGE COMPANY | 155 | 6.250% | $385,000 | 1.7% |
| GUARANTEED RATE, INC. | 147 | 6.450% | $405,000 | 6.3% |
| THE LOAN STORE, INC. | 107 | 6.490% | $405,000 | 5.8% |
| DHI MORTGAGE COMPANY, LTD. | 90 | 5.188% | $485,000 | 4.2% |
| LENNAR MORTGAGE, LLC | 87 | 4.750% | $455,000 | 16.4% |
| Synergy One Lending, Inc. | 83 | 6.375% | $385,000 | 1.2% |
| Kiavi Funding, Inc. | 81 | 9.950% | $315,000 | 4.7% |
| Paramount Residential Mortgage Group, Inc. | 76 | 6.375% | $410,000 | 2.6% |
| FlexPoint, Inc. | 72 | 6.250% | $420,000 | 1.1% |
| JPMorgan Chase Bank, National Association | 67 | 6.500% | $375,000 | 9.3% |
| Loandepot.Com, LLC | 54 | 6.250% | $425,000 | 26.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 53 | 6.500% | $415,000 | 8.5% |
| PENNYMAC LOAN SERVICES, LLC | 48 | 6.250% | $420,000 | 20.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 44 | 6.125% | $365,000 | 17.5% |
| CALCON MUTUAL MORTGAGE LLC | 43 | 5.250% | $485,000 | 18.9% |
| TRIAD FINANCIAL SERVICES, INC. | 42 | 8.760% | $95,000 | 29.5% |
| OCMBC, INC. | 41 | 6.500% | $405,000 | 8.5% |
| Broker Solutions, Inc. | 41 | 6.625% | $385,000 | 0.0% |
| Mortgage Research Center, LLC | 36 | 6.250% | $435,000 | 7.5% |
| FRANKLIN LOAN CORPORATION | 36 | 6.500% | $405,000 | 0.0% |
| JMAC LENDING, INC. | 33 | 6.625% | $425,000 | 2.9% |
| 21st Mortgage Corporation | 30 | 10.435% | $85,000 | 65.5% |
| THE GOLDEN 1 | 29 | 6.250% | $335,000 | 11.4% |
| Sierra Pacific Mortgage Company, Inc. | 28 | 6.375% | $415,000 | 20.0% |
| U.S. Bank National Association | 28 | 6.490% | $420,000 | 14.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 26 | 6.500% | $405,000 | 7.1% |
| Bank of America, National Association | 24 | 6.063% | $340,000 | 26.5% |
| ALAMEDA MORTGAGE CORPORATION | 24 | 6.625% | $430,000 | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 24 | 6.188% | $425,000 | 0.0% |
| BMO Bank National Association | 18 | 6.625% | $415,000 | 51.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 18 | 5.938% | $420,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 18 | 6.625% | $380,000 | 10.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.563% | $415,000 | 10.0% |
| NEWREZ LLC | 17 | 5.875% | $405,000 | 0.0% |
| Wells Fargo Bank, National Association | 16 | 6.500% | $330,000 | 30.4% |
| EVERETT FINANCIAL, INC. | 16 | 6.375% | $380,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 14 | 6.750% | $435,000 | 0.0% |
| PNC Bank, National Association | 13 | 6.250% | $425,000 | 17.7% |
| LAND HOME FINANCIAL SERVICES, INC. | 13 | 7.000% | $395,000 | 17.7% |
| Farmers & Merchants Bank of Central California | 13 | Not published | $415,000 | 31.6% |
| CMG MORTGAGE, INC. | 13 | 6.625% | $435,000 | 7.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | 6.625% | $475,000 | 7.7% |
| RESICENTRAL, LLC | 11 | 6.625% | $385,000 | 8.3% |
| AMERITRUST MORTGAGE CORPORATION | 11 | 6.990% | $435,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 11 | 6.750% | $505,000 | 0.0% |
| Equity Prime Mortgage LLC | 11 | 6.250% | $475,000 | 15.4% |
| SUMMIT FUNDING, INC. | 11 | 6.250% | $405,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 11 | 6.990% | $465,000 | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 10 | 4.990% | $555,000 | 23.1% |
| Umpqua Bank | 10 | 6.750% | $395,000 | 16.7% |
| CAKE MORTGAGE CORP. | 10 | 7.313% | $380,000 | 0.0% |
| NFM, INC. | 10 | 4.990% | $525,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BANK OF STOCKTON | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GEO-CORP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 42.9% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MYCUMORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Greenbox Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| STAR ONE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MORTGAGEONE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GOOGAIN, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 33.3% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fremont Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Patelco Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOCSE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mirastar Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOBLE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTWAVE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAFE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 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 65 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.