Largest lenders in Marin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Redwood | C | 669 | 433 | 16.3% | 8.00% |
| 2 | Bank of America | F | 425 | 204 | 24.0% | 5.99% |
| 3 | Rocket Mortgage | C | 319 | 227 | 18.2% | 6.75% |
| 4 | Wells Fargo Bank | B | 313 | 235 | 7.0% | 5.88% |
| 5 | U.S. Bank | D | 302 | 185 | 19.9% | 6.25% |
| 6 | United Shore Financial Services | B | 256 | 191 | 12.9% | 6.50% |
| 7 | JPMorgan Chase Bank | B | 225 | 155 | 9.3% | 6.00% |
| 8 | Crosscountry Mortgage | B | 184 | 154 | 1.1% | 6.75% |
| 9 | Bank of Marin | C | 129 | 88 | 20.2% | — |
| 10 | Guaranteed Rate | B | 126 | 74 | 4.0% | 6.60% |
| 11 | OriginPoint | B | 114 | 65 | 3.5% | 6.63% |
| 12 | Spring Eq | D | 105 | 25 | 60.0% | 9.18% |
| 13 | Morgan Stanley Private Bank | A | 102 | 82 | 4.9% | 5.76% |
| 14 | Pennymac Loan Services | C | 92 | 63 | 7.6% | 6.62% |
| 15 | Coastal Community Bank | C | 86 | 12 | 1.2% | 9.49% |
| 16 | Everett Financial | C | 85 | 49 | 3.5% | 6.88% |
| 17 | BMO Bank | F | 85 | 35 | 34.1% | 8.23% |
| 18 | Broker Solutions | D | 83 | 43 | 6.0% | 6.85% |
| 19 | Newrez | D | 79 | 30 | 16.5% | 6.75% |
| 20 | Citibank | B | 78 | 40 | 10.3% | 5.88% |
| 21 | Patelco Credit Union | C | 77 | 33 | 13.0% | 8.00% |
| 22 | Charles Schwab Bank | A | 75 | 71 | 2.7% | 5.63% |
| 23 | American Pacific Mortgage | C | 69 | 49 | 7.3% | 6.63% |
| 24 | Guaranteed Rate Affinity | A | 68 | 54 | 4.4% | 6.61% |
| 25 | PNC Bank | D | 65 | 39 | 23.1% | 6.75% |
Best approval odds in Marin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 158 | 1.3% |
| 2 | Coastal Community Bank | 62 | 1.6% |
| 3 | Charles Schwab Bank | 75 | 2.7% |
| 4 | Guaranteed Rate Affinity | 57 | 5.3% |
| 5 | OriginPoint | 73 | 5.5% |
| 6 | Morgan Stanley Private Bank | 88 | 5.7% |
| 7 | Everett Financial | 52 | 5.8% |
| 8 | Guaranteed Rate | 85 | 5.9% |
| 9 | Wells Fargo Bank | 258 | 8.5% |
| 10 | American Pacific Mortgage | 54 | 9.3% |
What Marin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Marin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 5,069 | 3,173 | 15.7% | 6.88% | $505,000 |
| 2024 | 5,587 | 3,367 | 17.3% | 6.99% | $505,000 |
| 2025 | 6,762 | 4,126 | 15.4% | 6.63% | $555,000 |
Frequently asked questions
15.4% of applications in Marin County were denied in 2025, against 17.4% statewide in California.
Redwood, with 669 applications in 2025 and a denial rate of 16.3%.
The median mortgage application in Marin County in 2025 was for $555,000; the median property value on originated loans was $1,555,000.