Largest lenders in Kings County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 322 | 231 | 13.4% | 6.13% |
| 2 | Golden Empire Mortgage | B | 263 | 203 | 5.7% | 5.99% |
| 3 | Navy Federal Credit Union | D | 196 | 90 | 25.5% | 8.15% |
| 4 | Rocket Mortgage | C | 192 | 133 | 18.2% | 6.63% |
| 5 | Lennar Mortgage | A | 188 | 161 | 3.2% | 5.75% |
| 6 | Alameda Mortgage | B | 174 | 140 | 0.6% | 6.49% |
| 7 | Freedom Mortgage | B | 148 | 56 | 4.7% | 6.00% |
| 8 | Pennymac Loan Services | C | 136 | 74 | 10.3% | 6.31% |
| 9 | Mortgage Research Center | C | 115 | 63 | 17.4% | 6.25% |
| 10 | Newrez | D | 102 | 39 | 14.7% | 6.13% |
| 11 | Educational Employees Credit Union | C | 101 | 47 | 40.6% | 6.50% |
| 12 | Kind Lending | C | 92 | 64 | 16.3% | 6.25% |
| 13 | Families and Schools Together Federal Credit Union | – | 85 | 35 | 32.9% | — |
| 14 | American Pacific Mortgage | C | 76 | 65 | 2.6% | 6.63% |
| 15 | The Golden 1 | D | 66 | 29 | 43.9% | 7.75% |
| 16 | Dhi Mortgage Company | B | 60 | 48 | 6.7% | 5.38% |
| 17 | Spring Eq | D | 52 | 16 | 44.2% | 9.43% |
| 18 | Clm Mortgage | A | 52 | 43 | 1.9% | 5.75% |
| 19 | The Loan Store | B | 50 | 40 | 4.0% | 6.63% |
| 20 | Loandepot.Com | D | 48 | 22 | 33.3% | 6.37% |
| 21 | Lakeview Loan Servicing | C | 47 | 13 | 53.2% | 6.25% |
| 22 | Commerce Home Mortgage | C | 46 | 36 | 8.7% | 6.63% |
| 23 | Nationstar Mortgage | C | 44 | 29 | 11.4% | 6.99% |
| 24 | BMO Bank | F | 39 | 15 | 38.5% | 7.50% |
| 25 | Figure Lending | C | 39 | 20 | 20.5% | 8.98% |
Best approval odds in Kings County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Alameda Mortgage | 141 | 0.7% |
| 2 | American Pacific Mortgage | 67 | 3.0% |
| 3 | Lennar Mortgage | 167 | 3.6% |
| 4 | Golden Empire Mortgage | 225 | 6.7% |
| 5 | Dhi Mortgage Company | 52 | 7.7% |
| 6 | Freedom Mortgage | 78 | 9.0% |
| 7 | United Shore Financial Services | 282 | 15.3% |
| 8 | Pennymac Loan Services | 91 | 15.4% |
| 9 | Kind Lending | 80 | 18.8% |
| 10 | Rocket Mortgage | 174 | 20.1% |
What Kings County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Kings County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,994 | 1,565 | 21.6% | 6.75% | $245,000 |
| 2024 | 3,910 | 2,232 | 19.5% | 6.62% | $275,000 |
| 2025 | 4,048 | 2,345 | 16.6% | 6.38% | $275,000 |
Frequently asked questions
16.6% of applications in Kings County were denied in 2025, against 17.4% statewide in California.
United Shore Financial Services, with 322 applications in 2025 and a denial rate of 13.4%.
The median mortgage application in Kings County in 2025 was for $275,000; the median property value on originated loans was $385,000.