Largest lenders in Humboldt County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Fairway Independent Mortgage | B | 351 | 252 | 4.8% | 6.50% |
| 2 | United Shore Financial Services | B | 219 | 173 | 5.9% | 6.38% |
| 3 | Rocket Mortgage | C | 168 | 109 | 25.0% | 6.99% |
| 4 | Better Mortgage | F | 100 | 78 | 13.0% | 6.63% |
| 5 | Summit Funding | C | 94 | 63 | 3.2% | 6.88% |
| 6 | Tri Counties Bank | C | 87 | 46 | 32.2% | 5.99% |
| 7 | U.S. Bank | D | 69 | 26 | 39.1% | 8.30% |
| 8 | Newrez | D | 64 | 12 | 21.9% | 7.06% |
| 9 | Umpqua Bank | C | 61 | 34 | 23.0% | 8.25% |
| 10 | Florida Capital Bank | A | 57 | 52 | 1.8% | 6.49% |
| 11 | Figure Lending | C | 41 | 15 | 29.3% | 9.68% |
| 12 | Pennymac Loan Services | C | 39 | 17 | 10.3% | 6.75% |
| 13 | Broker Solutions | D | 38 | 11 | 18.4% | 6.63% |
| 14 | Mortgage Research Center | C | 35 | 12 | 20.0% | 6.13% |
| 15 | Freedom Mortgage | B | 31 | 11 | 9.7% | 6.25% |
| 16 | Nationstar Mortgage | C | 31 | 14 | 19.4% | 7.12% |
| 17 | Loandepot.Com | D | 31 | 12 | 29.0% | 7.56% |
| 18 | Bank of America | F | 29 | 9 | 20.7% | 6.24% |
| 19 | AmeriSave Mortgage | D | 28 | 6 | 46.4% | 8.69% |
| 20 | Triad Financial Services | D | 28 | 12 | 14.3% | 8.74% |
| 21 | Navy Federal Credit Union | D | 24 | 13 | 20.8% | 7.59% |
| 22 | Coastal Community Bank | C | 24 | 6 | 8.3% | 10.24% |
| 23 | Spring Eq | D | 23 | 10 | 47.8% | 8.98% |
| 24 | 21st Mortgage | F | 22 | 7 | 22.7% | 11.55% |
| 25 | Evergreen Moneysource Mortgage | B | 21 | 14 | 0.0% | 6.75% |
Best approval odds in Humboldt County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Florida Capital Bank | 57 | 1.8% |
| 2 | Summit Funding | 67 | 4.5% |
| 3 | Fairway Independent Mortgage | 272 | 6.3% |
| 4 | United Shore Financial Services | 188 | 6.9% |
| 5 | Better Mortgage | 92 | 14.1% |
| 6 | Rocket Mortgage | 157 | 26.8% |
| 7 | Umpqua Bank | 51 | 27.5% |
| 8 | Tri Counties Bank | 76 | 36.8% |
| 9 | U.S. Bank | 54 | 50.0% |
What Humboldt County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Humboldt County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,879 | 1,004 | 18.5% | 7.00% | $245,000 |
| 2024 | 2,110 | 1,133 | 21.1% | 6.88% | $255,000 |
| 2025 | 2,496 | 1,397 | 15.0% | 6.63% | $275,000 |
Frequently asked questions
15.0% of applications in Humboldt County were denied in 2025, against 17.4% statewide in California.
Fairway Independent Mortgage, with 351 applications in 2025 and a denial rate of 4.8%.
The median mortgage application in Humboldt County in 2025 was for $275,000; the median property value on originated loans was $455,000.