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refinance lenders · HMDA 2023–2025

Refinance lenders in San Joaquin County, California

Fat Boy Data analyzed mortgage refinance activity in San Joaquin County, 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. 5,106 applications were decided by 293 lenders between 2023 and 2025.

San Joaquin County at a glance

293Active lenders48 with 20+ decisions
71.5%Market approval rate3,653 of 5,106 decided
$505KTypical loanmedian lender, $10K brackets
90%Borrower take-up3,295 loans funded

How San Joaquin County compares

Approval rate compared
San Joaquin County71.5%California76.7%All 616 counties76.5%
Typical loan compared
San Joaquin County$505KCalifornia$655KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in San Joaquin County, CA, 353 of them.

Sun West Mortgage Company, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 98% of 42.

Lenders approved 71.5% of mortgage refinance applications in San Joaquin County, CA, 5.1 percentage points below the California rate of 76.7%.

The typical mortgage refinance here is $505K, 23% smaller than the California typical of $655K.

Approval rate of all 48 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 12% approved of 34Discover Bank: 25% approved of 152Spring Eq, LLC: 35% approved of 89Lakeview Loan Servicing, LLC: 43% approved of 235Third Federal Savings And Loan Association Of Cleveland: 46% approved of 72Mortgage Research Center, LLC: 51% approved of 39PNC Bank, National Association: 55% approved of 84Kind Lending, LLC: 56% approved of 25BMO Bank National Association: 58% approved of 50Bank of America, National Association: 60% approved of 216The Golden 1: 61% approved of 67Newrez LLC: 62% approved of 71Farmers & Merchants Bank of Central California: 65% approved of 26Fremont Bank: 66% approved of 61Wells Fargo Bank, National Association: 67% approved of 36Bank of Stockton: 68% approved of 53Ocmbc, Inc.: 68% approved of 25Pentagon Federal Credit Union: 70% approved of 20UNCLE Credit Union: 71% approved of 35Nationstar Mortgage LLC: 72% approved of 57Rocket Mortgage, LLC: 72% approved of 523U.S. Bank National Association: 73% approved of 128Alliant Credit Union: 76% approved of 45STAR ONE Credit Union: 77% approved of 56STANFORD Federal Credit Union: 77% approved of 26Cmg Mortgage, Inc.: 78% approved of 23United Wholesale Mortgage, LLC: 79% approved of 857Loandepot.Com, LLC: 82% approved of 98Planet Home Lending, LLC: 82% approved of 28Longbridge Financial, LLC: 83% approved of 23American Pacific Mortgage Corporation: 83% approved of 29Onity Mortgage Corporation: 84% approved of 31Zions Bancorporation, N.A.: 86% approved of 91Citibank, National Association: 86% approved of 22JPMorgan Chase Bank, National Association: 86% approved of 59Freedom Mortgage Corporation: 87% approved of 157Finance of America Reverse LLC: 88% approved of 56Guaranteed Rate, Inc.: 88% approved of 25Pennymac Loan Services, LLC: 88% approved of 117Patelco Credit Union: 89% approved of 27Crosscountry Mortgage, LLC: 89% approved of 46Mutual of Omaha Mortgage, Inc.: 90% approved of 48Summit Funding, Inc.: 91% approved of 22Ladera Lending, Inc.: 92% approved of 24The Loan Store, Inc.: 94% approved of 35Provident Funding Associates, L.P.: 95% approved of 38Village Capital & Investment LLC: 95% approved of 58Sun West Mortgage Company, Inc.: 98% approved of 42

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

Refinance lenders in San Joaquin County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only79%681 / 85795%$515K649
2Rocket Mortgage, LLC72%377 / 52394%$505K353
3Lakeview Loan Servicing, LLC43%102 / 23531%$535K32
4Bank of America, National Association60%129 / 21699%$175K128
5Freedom Mortgage Corporation87%137 / 15778%$455K107

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 288 more lenders.

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Other lending data for San Joaquin County

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Nearby markets

All lending in San Joaquin CountyCounty overviewRefinance across CaliforniaStatewideAlameda CountyNearby countyContra Costa CountyNearby countySacramento CountyNearby county