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mortgage lenders · HMDA 2023–2025

Mortgage lenders in California

Fat Boy Data analyzed home purchase mortgage activity in California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 769,299 applications were decided by 1,011 lenders between 2023 and 2025.

California at a glance

1,011Active lenders555 with 20+ decisions
88.4%Market approval rate680,400 of 769,299 decided
$555KTypical loanmedian lender, $10K brackets
95%Borrower take-up648,563 loans funded

How California compares

Approval rate compared
California88.4%All 616 counties87.6%
Typical loan compared
California$555KAll 616 counties$335K

What the data shows

Rocket Mortgage, LLC made the most home purchase mortgages in California, 44,659 of them.

Nmsi, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 3,635.

The typical home purchase mortgage here is $555K, 66% larger than the the United States typical of $335K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 29% approved of 13,073Credit Human Federal Credit Union: 53% approved of 4,386Flagstar Bank, National Association: 65% approved of 4,917Triad Financial Services, Inc.: 70% approved of 13,858Homebridge Financial Services, Inc.: 74% approved of 2,378Plaza Home Mortgage, Inc.: 76% approved of 2,398Kind Lending, LLC: 77% approved of 11,959Pulte Mortgage LLC: 79% approved of 3,239Bank of America, National Association: 79% approved of 17,383Navy Federal Credit Union: 81% approved of 4,588City National Bank: 84% approved of 2,968BMO Bank National Association: 84% approved of 6,744Pennymac Loan Services, LLC: 84% approved of 10,604First-Citizens Bank & Trust Company: 86% approved of 3,187Freedom Mortgage Corporation: 86% approved of 2,446U.S. Bank National Association: 86% approved of 21,294Rocket Mortgage, LLC: 87% approved of 52,027Sierra Pacific Mortgage Company, Inc.: 87% approved of 6,208The Golden 1: 87% approved of 3,379PNC Bank, National Association: 88% approved of 4,248Homeamerican Mortgage Corporation: 88% approved of 3,413Sun West Mortgage Company, Inc.: 88% approved of 2,703East West Bank: 89% approved of 3,888Wells Fargo Bank, National Association: 89% approved of 17,517Taylor Morrison Home Funding, Inc.: 89% approved of 2,486American Financial Network, Inc.: 89% approved of 4,013Mortgage Research Center, LLC: 90% approved of 5,269JPMorgan Chase Bank, National Association: 90% approved of 17,092United Wholesale Mortgage, LLC: 90% approved of 101,358Loandepot.Com, LLC: 91% approved of 15,253Lennar Mortgage, LLC: 91% approved of 18,954Kbhs Home Loans, LLC: 91% approved of 6,162Newrez LLC: 92% approved of 4,957Dhi Mortgage Company, Ltd.: 92% approved of 8,143Amwest Funding Corp.: 92% approved of 4,586Ocmbc, Inc.: 92% approved of 13,171Golden Empire Mortgage, Inc.: 93% approved of 8,136Change Lending, LLC: 93% approved of 4,880American Pacific Mortgage Corporation: 94% approved of 9,322Citibank, National Association: 94% approved of 9,838The Loan Store, Inc.: 95% approved of 7,394Primelending, A Plainscapital Company: 95% approved of 3,399Fairway Independent Mortgage Corporation: 95% approved of 6,849Summit Funding, Inc.: 95% approved of 2,732Flexpoint, Inc.: 96% approved of 2,732Guaranteed Rate, Inc.: 96% approved of 10,290Cmg Mortgage, Inc.: 97% approved of 8,707Guaranteed Rate Affinity, LLC: 97% approved of 2,940New American Funding, LLC: 97% approved of 7,201Schoolsfirst: 97% approved of 4,598Morgan Stanley Private Bank, National Association: 97% approved of 3,006Movement Mortgage, LLC: 97% approved of 5,052Guild Mortgage Company LLC: 98% approved of 9,020Paramount Residential Mortgage Group, Inc.: 98% approved of 9,099Royal Pacific Funding Corp.: 98% approved of 3,783Alameda Mortgage Corporation: 98% approved of 5,187Hsbc Bank USA, N.A.tional Association: 98% approved of 3,226Crosscountry Mortgage, LLC: 99% approved of 16,203New Wave Lending Group Inc: 100% approved of 3,239Nmsi, Inc.: 100% approved of 3,635

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in California

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only90%91,492 / 101,35899%$515K90,270
2Rocket Mortgage, LLC87%45,167 / 52,02799%$675K44,659
3U.S. Bank National Association86%18,308 / 21,29498%$825K18,019
4Lennar Mortgage, LLC91%17,268 / 18,95499%$535K17,179
5Wells Fargo Bank, National Association89%15,561 / 17,517100%$1.08M15,486

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 1,006 more lenders.

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Other lending data for California

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Counties in California

Los Angeles CountyCountySan Diego CountyCountyOrange CountyCountyRiverside CountyCountySan Bernardino CountyCountySanta Clara CountyCountyAlameda CountyCountySacramento CountyCountyContra Costa CountyCountyFresno CountyCountyKern CountyCountyVentura CountyCounty