Largest lenders in Los Angeles County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 12,058 | 8,176 | 15.7% | 6.50% |
| 2 | Rocket Mortgage | C | 10,994 | 7,659 | 19.1% | 6.75% |
| 3 | Bank of America | F | 8,999 | 3,603 | 33.6% | 5.99% |
| 4 | U.S. Bank | D | 6,472 | 2,874 | 36.0% | 6.63% |
| 5 | JPMorgan Chase Bank | B | 6,155 | 4,067 | 9.3% | 6.09% |
| 6 | OCMBC | C | 4,320 | 2,632 | 4.4% | 6.88% |
| 7 | Spring Eq | D | 4,280 | 1,239 | 52.5% | 8.63% |
| 8 | Schoolsfirst | A | 4,022 | 2,959 | 11.2% | 6.38% |
| 9 | Coastal Community Bank | C | 3,418 | 607 | 3.7% | 9.99% |
| 10 | Logix Federal Credit Union | C | 3,407 | 2,212 | 18.6% | 6.49% |
| 11 | Citibank | B | 3,172 | 1,532 | 13.8% | 5.88% |
| 12 | Pennymac Loan Services | C | 3,126 | 1,760 | 15.2% | 6.62% |
| 13 | Newrez | D | 3,058 | 791 | 23.4% | 6.88% |
| 14 | Broker Solutions | D | 2,717 | 1,081 | 6.9% | 6.88% |
| 15 | AMWEST Funding | C | 2,643 | 1,583 | 6.3% | 7.38% |
| 16 | Cake Mortgage | D | 2,420 | 1,706 | 3.1% | 7.63% |
| 17 | Loandepot.Com | D | 2,417 | 1,381 | 21.4% | 6.99% |
| 18 | Wells Fargo Bank | B | 2,364 | 1,231 | 16.4% | 5.88% |
| 19 | BMO Bank | F | 2,207 | 839 | 37.4% | 6.88% |
| 20 | Figure Lending | C | 2,198 | 903 | 30.7% | 8.68% |
| 21 | The Loan Store | B | 2,174 | 1,202 | 17.0% | 7.13% |
| 22 | City National Bank | B | 2,151 | 1,416 | 14.8% | 6.23% |
| 23 | Guaranteed Rate | B | 1,947 | 883 | 6.8% | 6.63% |
| 24 | Navy Federal Credit Union | D | 1,931 | 693 | 29.4% | 8.25% |
| 25 | Wescom Central Credit Union | D | 1,812 | 921 | 25.7% | 8.25% |
Best approval odds in Los Angeles County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mackillie | 52 | 0.0% |
| 2 | Cornerstone Capital Bank | 56 | 0.0% |
| 3 | Wall Financial | 56 | 0.0% |
| 4 | Unnamed lender 98450058D88OE4463626 | 52 | 0.0% |
| 5 | Cornerstone First Mortgage | 54 | 0.0% |
| 6 | PCB Bank | 89 | 0.0% |
| 7 | Coast 2 Coast Funding Group | 102 | 0.0% |
| 8 | Lendsure Mortgage | 87 | 0.0% |
| 9 | T. J. Financial | 103 | 0.0% |
| 10 | Ez Fundings | 107 | 0.0% |
What Los Angeles County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Los Angeles County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 158,528 | 82,635 | 22.6% | 6.99% | $385,000 |
| 2024 | 181,579 | 95,267 | 21.1% | 7.00% | $405,000 |
| 2025 | 197,721 | 106,684 | 18.6% | 6.75% | $455,000 |
Frequently asked questions
18.6% of applications in Los Angeles County were denied in 2025, against 17.4% statewide in California.
United Shore Financial Services, with 12,058 applications in 2025 and a denial rate of 15.7%.
The median mortgage application in Los Angeles County in 2025 was for $455,000; the median property value on originated loans was $955,000.