Largest lenders in Imperial County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 333 | 233 | 15.6% | 6.38% |
| 2 | Rocket Mortgage | C | 205 | 127 | 23.9% | 6.75% |
| 3 | Primelending, a Plainscapital | A | 192 | 146 | 3.7% | 6.13% |
| 4 | Efinity Financial | D | 186 | 142 | 1.6% | 6.75% |
| 5 | Pennymac Loan Services | C | 117 | 74 | 10.3% | 6.50% |
| 6 | Freedom Mortgage | B | 105 | 45 | 13.3% | 6.25% |
| 7 | Spring Eq | D | 100 | 26 | 56.0% | 9.26% |
| 8 | Everett Financial | C | 94 | 65 | 5.3% | 6.38% |
| 9 | U.S. Bank | D | 86 | 27 | 44.2% | 8.20% |
| 10 | Sun Community Federal Credit Union | – | 85 | 77 | 2.4% | 8.00% |
| 11 | Bank of America | F | 79 | 19 | 49.4% | 6.49% |
| 12 | Newrez | D | 79 | 22 | 25.3% | 6.25% |
| 13 | Navy Federal Credit Union | D | 79 | 32 | 20.3% | 7.85% |
| 14 | Loandepot.Com | D | 75 | 42 | 24.0% | 7.50% |
| 15 | American Pacific Mortgage | C | 68 | 48 | 10.3% | 6.50% |
| 16 | Equity Prime Mortgage | D | 61 | 38 | 3.3% | 6.25% |
| 17 | Lakeview Loan Servicing | C | 50 | 3 | 74.0% | 8.25% |
| 18 | Triad Financial Services | D | 48 | 9 | 41.7% | 8.78% |
| 19 | JPMorgan Chase Bank | B | 46 | 29 | 4.4% | 6.63% |
| 20 | Paramount Residential Mortgage Group | B | 43 | 31 | 2.3% | 6.50% |
| 21 | OCMBC | C | 41 | 21 | 0.0% | 6.13% |
| 22 | Sierra Pacific Mortgage Company | C | 37 | 32 | 5.4% | 6.50% |
| 23 | 21st Mortgage | F | 36 | 7 | 38.9% | 10.16% |
| 24 | Nationstar Mortgage | C | 35 | 27 | 2.9% | 9.00% |
| 25 | Broker Solutions | D | 35 | 7 | 14.3% | 7.38% |
Best approval odds in Imperial County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Efinity Financial | 145 | 2.1% |
| 2 | Sun Community Federal Credit Union | 79 | 2.5% |
| 3 | Primelending, a Plainscapital | 162 | 4.3% |
| 4 | Everett Financial | 70 | 7.1% |
| 5 | American Pacific Mortgage | 55 | 12.7% |
| 6 | Pennymac Loan Services | 88 | 13.6% |
| 7 | United Shore Financial Services | 288 | 18.1% |
| 8 | Freedom Mortgage | 64 | 21.9% |
| 9 | Rocket Mortgage | 183 | 26.8% |
| 10 | Loandepot.Com | 63 | 28.6% |
What Imperial County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Imperial County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,653 | 1,332 | 21.8% | 6.58% | $215,000 |
| 2024 | 3,165 | 1,725 | 21.6% | 6.63% | $225,000 |
| 2025 | 3,417 | 1,897 | 18.8% | 6.63% | $245,000 |
Frequently asked questions
18.8% of applications in Imperial County were denied in 2025, against 17.4% statewide in California.
United Shore Financial Services, with 333 applications in 2025 and a denial rate of 15.6%.
The median mortgage application in Imperial County in 2025 was for $245,000; the median property value on originated loans was $405,000.