Largest lenders in Calaveras County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 211 | 157 | 8.5% | 6.38% |
| 2 | Rocket Mortgage | C | 176 | 131 | 14.2% | 6.99% |
| 3 | U.S. Bank | D | 63 | 31 | 31.8% | 7.65% |
| 4 | Spring Eq | D | 62 | 19 | 48.4% | 9.13% |
| 5 | Broker Solutions | D | 62 | 39 | 6.5% | 6.50% |
| 6 | The Loan Store | B | 54 | 41 | 1.9% | 6.63% |
| 7 | Newrez | D | 53 | 22 | 9.4% | 6.88% |
| 8 | Bank of America | F | 44 | 14 | 34.1% | 6.38% |
| 9 | American Pacific Mortgage | C | 43 | 36 | 0.0% | 6.88% |
| 10 | Crosscountry Mortgage | B | 42 | 24 | 0.0% | 7.12% |
| 11 | Pennymac Loan Services | C | 40 | 20 | 25.0% | 6.56% |
| 12 | Umpqua Bank | C | 40 | 17 | 40.0% | 8.25% |
| 13 | Kind Lending | C | 40 | 23 | 35.0% | 6.88% |
| 14 | Guaranteed Rate | B | 36 | 18 | 5.6% | 6.75% |
| 15 | Loandepot.Com | D | 36 | 19 | 16.7% | 6.58% |
| 16 | Primary Residential Mortgage | C | 36 | 29 | 2.8% | 6.63% |
| 17 | The Golden 1 | D | 35 | 13 | 42.9% | 8.00% |
| 18 | BMO Bank | F | 34 | 12 | 41.2% | 7.75% |
| 19 | Figure Lending | C | 34 | 15 | 20.6% | 8.95% |
| 20 | AmeriSave Mortgage | D | 31 | 7 | 48.4% | 9.00% |
| 21 | El Dorado Savings Bank | D | 31 | 16 | 12.9% | — |
| 22 | 21st Mortgage | F | 30 | 7 | 26.7% | 9.76% |
| 23 | Freedom Mortgage | B | 30 | 18 | 0.0% | 6.25% |
| 24 | Paramount Residential Mortgage Group | B | 29 | 17 | 0.0% | 6.13% |
| 25 | Mortgage Research Center | C | 26 | 10 | 15.4% | 6.25% |
Best approval odds in Calaveras County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 180 | 10.0% |
| 2 | Rocket Mortgage | 162 | 15.4% |
| 3 | U.S. Bank | 51 | 39.2% |
| 4 | Spring Eq | 50 | 60.0% |
What Calaveras County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Calaveras County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,673 | 939 | 20.0% | 7.00% | $265,000 |
| 2024 | 2,009 | 1,101 | 20.1% | 6.99% | $265,000 |
| 2025 | 2,307 | 1,300 | 17.3% | 6.83% | $275,000 |
Frequently asked questions
17.3% of applications in Calaveras County were denied in 2025, against 17.4% statewide in California.
United Shore Financial Services, with 211 applications in 2025 and a denial rate of 8.5%.
The median mortgage application in Calaveras County in 2025 was for $275,000; the median property value on originated loans was $465,000.