Largest lenders in Lake County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 211 | 139 | 17.5% | 6.50% |
| 2 | Redwood | C | 169 | 77 | 31.4% | 7.99% |
| 3 | Rocket Mortgage | C | 133 | 84 | 24.1% | 6.50% |
| 4 | Franklin Loan | B | 98 | 82 | 0.0% | 6.49% |
| 5 | Newrez | D | 55 | 22 | 23.6% | 6.75% |
| 6 | Community First Credit Union | D | 53 | 30 | 18.9% | 7.75% |
| 7 | Mortgage Research Center | C | 50 | 22 | 22.0% | 6.25% |
| 8 | American Pacific Mortgage | C | 47 | 27 | 4.3% | 6.50% |
| 9 | Broker Solutions | D | 47 | 13 | 8.5% | 6.81% |
| 10 | Kind Lending | C | 41 | 27 | 24.4% | 6.88% |
| 11 | Pennymac Loan Services | C | 40 | 24 | 12.5% | 6.81% |
| 12 | Equity Prime Mortgage | D | 40 | 21 | 10.0% | 7.00% |
| 13 | 21st Mortgage | F | 38 | 7 | 39.5% | 9.85% |
| 14 | BMO Bank | F | 38 | 15 | 52.6% | 8.33% |
| 15 | Loandepot.Com | D | 37 | 20 | 32.4% | 8.06% |
| 16 | The Loan Store | B | 37 | 19 | 8.1% | 6.63% |
| 17 | AmeriSave Mortgage | D | 36 | 7 | 72.2% | 8.88% |
| 18 | Coastal Community Bank | C | 36 | 8 | 2.8% | 10.37% |
| 19 | Umpqua Bank | C | 35 | 20 | 25.7% | 7.25% |
| 20 | Guild Mortgage | A | 35 | 23 | 8.6% | 6.25% |
| 21 | Homeowners Financial Group USA | B | 34 | 23 | 0.0% | 6.50% |
| 22 | Crosscountry Mortgage | B | 33 | 10 | 6.1% | 6.56% |
| 23 | Freedom Mortgage | B | 32 | 7 | 28.1% | 6.13% |
| 24 | Guaranteed Rate | B | 29 | 13 | 10.3% | 6.63% |
| 25 | Spring Eq | D | 26 | 9 | 61.5% | 9.83% |
Best approval odds in Lake County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Franklin Loan | 84 | 0.0% |
| 2 | United Shore Financial Services | 178 | 20.8% |
| 3 | Rocket Mortgage | 121 | 26.5% |
| 4 | Redwood | 133 | 39.9% |
What Lake County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lake County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,878 | 956 | 20.6% | 6.88% | $205,000 |
| 2024 | 2,200 | 1,102 | 22.8% | 6.99% | $215,000 |
| 2025 | 2,257 | 1,123 | 20.7% | 6.75% | $215,000 |
Frequently asked questions
20.7% of applications in Lake 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 17.5%.
The median mortgage application in Lake County in 2025 was for $215,000; the median property value on originated loans was $345,000.