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Butte County, California · 2025

Mortgage lenders in Butte County, CA: denial rates and top lenders (2025)

305 lenders acted on 5,947 mortgage applications for properties in Butte County in 2025. 17.0% were denied (California: 17.4%). Median rate on closed loans 6.63%; median loan $235,000; median property value $425,000.

5.9kApplications
17.0%Denial ratestate 17.4%
6.63%Median ratestate 6.63%
$235,000Median loan
$425,000Median property value

Largest lenders in Butte County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 547412 11.7%6.40%
2 Tri Counties Bank C 334193 27.5%6.13%
3 Newrez D 307194 6.2%6.75%
4 Rocket Mortgage C 307217 17.3%6.75%
5 Fairway Independent Mortgage B 163121 1.8%6.63%
6 Mason Mcduffie Mortgage C 162135 1.2%6.25%
7 Kind Lending C 149111 17.5%6.25%
8 Bank of America F 14854 39.2%6.25%
9 The Golden 1 D 14676 32.9%7.75%
10 Sierra Central Credit Union D 14699 18.5%7.13%
11 U.S. Bank D 13960 37.4%8.05%
12 Guaranteed Rate B 13685 2.9%6.38%
13 Commerce Home Mortgage C 11779 2.6%6.56%
14 Guild Mortgage A 10166 2.0%6.56%
15 Pennymac Loan Services C 9656 7.3%6.31%
16 21st Mortgage F 9126 45.1%9.26%
17 Premier Mortgage Resources B 9147 0.0%6.38%
18 The Loan Store B 9074 3.3%6.49%
19 Spring Eq D 8922 65.2%10.58%
20 Mortgage Research Center C 8734 20.7%6.13%
21 Loandepot.Com D 7241 22.2%7.38%
22 Coastal Community Bank C 709 2.9%9.99%
23 Freedom Mortgage B 6623 9.1%6.13%
24 Vanderbilt Mortgage and Finance F 654 30.8%8.75%
25 Plains Commerce Bank B 6341 4.8%6.63%

Best approval odds in Butte County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Mason Mcduffie Mortgage1371.5%
2Fairway Independent Mortgage1242.4%
3Guild Mortgage762.6%
4The Loan Store843.6%
5Commerce Home Mortgage833.6%
6Guaranteed Rate924.4%
7Newrez2158.8%
8Pennymac Loan Services6410.9%
9United Shore Financial Services48413.2%
10Kind Lending13719.0%

What Butte County borrowers applied for

By loan purpose

Home purchase 2,839 48% · 8.9% denied
Refinance 901 15% · 15.5% denied
Cash-out refinance 942 16% · 20.6% denied
Home improvement 514 9% · 33.1% denied
Other / HELOC 751 13% · 34.1% denied

By loan type

Conventional 4,541 76% · 18.3% denied
FHA 960 16% · 14.0% denied
VA 425 7% · 10.1% denied
USDA / RHS 21 0% · 9.5% denied

Why applications were denied

Debt-to-income ratio 297 29%
Credit history 250 25%
Collateral 158 16%
Incomplete application 141 14%
Other 74 7%
Unverifiable information 51 5%
Insufficient cash 32 3%
Employment history 9 1%

Butte County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,5642,56318.6%6.75%$225,000
20244,9732,84218.1%6.88%$235,000
20255,9473,40817.0%6.63%$235,000

Frequently asked questions

17.0% of applications in Butte County were denied in 2025, against 17.4% statewide in California.

United Shore Financial Services, with 547 applications in 2025 and a denial rate of 11.7%.

The median mortgage application in Butte County in 2025 was for $235,000; the median property value on originated loans was $425,000.