Largest lenders in Mariposa County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 63 | 46 | 14.3% | 6.13% |
| 2 | Rocket Mortgage | C | 48 | 31 | 25.0% | 6.63% |
| 3 | 21st Mortgage | F | 21 | 4 | 23.8% | 9.06% |
| 4 | U.S. Bank | D | 19 | 5 | 42.1% | 6.75% |
| 5 | Leaderone Financial | D | 15 | 8 | 6.7% | 6.50% |
| 6 | Pennymac Loan Services | C | 14 | 4 | 42.9% | 6.75% |
| 7 | Freedom Mortgage | B | 14 | 3 | 7.1% | 6.25% |
| 8 | Broker Solutions | D | 14 | 3 | 7.1% | 6.50% |
| 9 | Sierra Pacific Mortgage Company | C | 14 | 11 | 14.3% | 6.63% |
| 10 | Bank of America | F | 11 | 4 | 45.5% | 5.99% |
| 11 | Mortgage Research Center | C | 11 | 5 | 27.3% | 6.38% |
| 12 | ML Mortgage | C | 11 | 11 | 0.0% | 6.13% |
| 13 | Guaranteed Rate | B | 10 | 6 | 0.0% | 6.81% |
| 14 | Nations Direct Mortgage | B | 10 | 7 | 10.0% | 6.13% |
| 15 | American Pacific Mortgage | C | 10 | 8 | 0.0% | 6.13% |
| 16 | Newrez | D | 10 | 1 | 20.0% | 8.38% |
| 17 | Loandepot.Com | D | 10 | 5 | 10.0% | 6.99% |
| 18 | Spring Eq | D | 9 | 2 | 66.7% | 8.31% |
| 19 | The Loan Store | B | 9 | 7 | 0.0% | 7.13% |
| 20 | UMB Bank | B | 8 | 2 | 50.0% | 7.08% |
| 21 | The Golden 1 | D | 7 | 4 | 28.6% | 8.69% |
| 22 | AmeriSave Mortgage | D | 7 | 0 | 85.7% | — |
| 23 | American Financial Network | C | 7 | 6 | 0.0% | 6.87% |
| 24 | BMO Bank | F | 7 | 0 | 57.1% | — |
| 25 | Crosscountry Mortgage | B | 6 | 4 | 0.0% | 5.93% |
Best approval odds in Mariposa County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 55 | 16.4% |
What Mariposa County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Mariposa County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 504 | 243 | 21.8% | 6.88% | $255,000 |
| 2024 | 570 | 283 | 22.5% | 6.99% | $265,000 |
| 2025 | 651 | 319 | 22.0% | 6.63% | $275,000 |
Frequently asked questions
22.0% of applications in Mariposa County were denied in 2025, against 17.4% statewide in California.
United Shore Financial Services, with 63 applications in 2025 and a denial rate of 14.3%.
The median mortgage application in Mariposa County in 2025 was for $275,000; the median property value on originated loans was $405,000.