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Contra Costa County, California · 2025

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

523 lenders acted on 34,496 mortgage applications for properties in Contra Costa County in 2025. 16.5% were denied (California: 17.4%). Median rate on closed loans 6.63%; median loan $435,000; median property value $875,000.

34kApplications
16.5%Denial ratestate 17.4%
6.63%Median ratestate 6.63%
$435,000Median loan
$875,000Median property value

Largest lenders in Contra Costa County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 2,4471,816 11.8%6.50%
2 Rocket Mortgage C 2,2831,644 17.6%6.63%
3 Bank of America F 1,929951 26.0%5.99%
4 U.S. Bank D 1,203681 24.4%6.25%
5 Crosscountry Mortgage B 1,005748 2.7%6.75%
6 Patelco Credit Union C 821385 8.4%8.00%
7 Spring Eq D 785252 47.4%8.95%
8 JPMorgan Chase Bank B 769483 11.1%6.25%
9 Wells Fargo Bank B 743483 8.6%5.88%
10 Loandepot.Com D 687427 16.9%6.63%
11 Fremont Bank D 666406 27.3%8.25%
12 Pennymac Loan Services C 630394 10.5%6.50%
13 Coastal Community Bank C 629125 2.7%9.74%
14 BMO Bank F 598271 32.3%8.18%
15 Broker Solutions D 579282 5.7%6.63%
16 Citibank B 533290 9.0%5.88%
17 CMG Mortgage A 530376 3.2%6.56%
18 Newrez D 519155 20.6%6.63%
19 Everett Financial C 478303 3.6%6.63%
20 Guaranteed Rate B 473242 3.4%6.50%
21 The Golden 1 D 447258 27.3%6.13%
22 Figure Lending C 393188 24.7%8.85%
23 PNC Bank D 286173 23.4%5.88%
24 The Loan Store B 285179 13.7%6.88%
25 Pacific Service Credit Union F 274149 14.2%7.50%

Best approval odds in Contra Costa County

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

#LenderDecidedDecision denial rate
1Googain590.0%
2New Wave Lending Group510.0%
3Conventus610.0%
4Alameda Mortgage820.0%
5Provident Credit Union1080.9%
6Charles Schwab Bank981.0%
7Cornerstone First Mortgage861.2%
8Envoy Mortgage731.4%
9General Mortgage Capital711.4%
10Vellum Mortgage1951.5%

What Contra Costa County borrowers applied for

By loan purpose

Home purchase 12,242 35% · 7.8% denied
Refinance 7,447 22% · 14.0% denied
Cash-out refinance 6,133 18% · 21.2% denied
Home improvement 3,800 11% · 28.7% denied
Other / HELOC 4,874 14% · 26.9% denied

By loan type

Conventional 30,679 89% · 16.7% denied
FHA 2,828 8% · 16.7% denied
VA 964 3% · 12.0% denied
USDA / RHS 25 0% · 20.0% denied

Why applications were denied

Debt-to-income ratio 2,230 39%
Incomplete application 968 17%
Credit history 843 15%
Collateral 802 14%
Other 428 8%
Unverifiable information 250 4%
Insufficient cash 133 2%
Employment history 36 1%
Mortgage insurance denied 2 0%

Contra Costa County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202327,26215,29119.9%6.88%$405,000
202431,11117,82818.7%6.88%$405,000
202534,49619,93316.5%6.63%$435,000

Frequently asked questions

16.5% of applications in Contra Costa County were denied in 2025, against 17.4% statewide in California.

United Shore Financial Services, with 2,447 applications in 2025 and a denial rate of 11.8%.

The median mortgage application in Contra Costa County in 2025 was for $435,000; the median property value on originated loans was $875,000.