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Lassen County, California · 2025

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

112 lenders acted on 731 mortgage applications for properties in Lassen County in 2025. 18.2% were denied (California: 17.4%). Median rate on closed loans 6.63%; median loan $175,000; median property value $265,000.

731Applications
18.2%Denial ratestate 17.4%
6.63%Median ratestate 6.63%
$175,000Median loan
$265,000Median property value

Largest lenders in Lassen County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Premier Mortgage Resources B 7554 1.3%6.63%
2 Rocket Mortgage C 5343 9.4%6.63%
3 United Shore Financial Services B 3825 13.2%6.44%
4 Crosscountry Mortgage B 3426 2.9%6.99%
5 Mortgage Research Center C 3111 35.5%6.13%
6 U.S. Bank D 285 71.4%7.13%
7 Summit Funding C 2615 11.5%6.99%
8 Infinity Equity Group, LLC. B 2524 0.0%6.44%
9 Spring Eq D 226 50.0%10.23%
10 Newrez D 218 9.5%5.93%
11 The Golden 1 D 196 52.6%7.88%
12 Freedom Mortgage B 188 5.6%6.00%
13 Planet Home Lending B 1810 16.7%7.13%
14 Sierra Central Credit Union D 1714 5.9%6.69%
15 Coastal Community Bank C 162 0.0%11.74%
16 CMG Mortgage A 146 0.0%5.93%
17 Loandepot.Com D 137 23.1%6.99%
18 American Pacific Mortgage C 127 8.3%6.50%
19 New Day Financial F 111 36.4%7.25%
20 Carrington Mortgage Services D 114 36.4%6.25%
21 Pennymac Loan Services C 96 0.0%5.50%
22 Fairway Independent Mortgage B 95 0.0%5.75%
23 Broker Solutions D 82 0.0%6.75%
24 The Loan Store B 84 12.5%6.69%
25 AmeriSave Mortgage D 72 71.4%8.93%

Best approval odds in Lassen County

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

#LenderDecidedDecision denial rate
1Premier Mortgage Resources551.8%

What Lassen County borrowers applied for

By loan purpose

Home purchase 351 48% · 8.0% denied
Refinance 102 14% · 13.7% denied
Cash-out refinance 151 21% · 24.5% denied
Home improvement 57 8% · 50.9% denied
Other / HELOC 70 10% · 35.7% denied

By loan type

Conventional 437 60% · 22.9% denied
FHA 157 21% · 11.5% denied
VA 118 16% · 11.9% denied
USDA / RHS 19 3% · 5.3% denied

Why applications were denied

Incomplete application 30 23%
Credit history 29 22%
Debt-to-income ratio 28 21%
Collateral 27 20%
Other 13 10%
Insufficient cash 5 4%
Unverifiable information 1 1%

Lassen County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202354129518.9%6.75%$175,000
202462231018.5%6.88%$155,000
202573138318.2%6.63%$175,000

Frequently asked questions

18.2% of applications in Lassen County were denied in 2025, against 17.4% statewide in California.

Premier Mortgage Resources, with 75 applications in 2025 and a denial rate of 1.3%.

The median mortgage application in Lassen County in 2025 was for $175,000; the median property value on originated loans was $265,000.