Largest lenders in Mono County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Crosscountry Mortgage | B | 148 | 115 | 0.7% | 7.00% |
| 2 | American Pacific Mortgage | C | 77 | 64 | 2.6% | 6.75% |
| 3 | United Shore Financial Services | B | 49 | 35 | 12.2% | 6.88% |
| 4 | U.S. Bank | D | 36 | 18 | 33.3% | 6.50% |
| 5 | Rocket Mortgage | C | 27 | 14 | 37.0% | 6.75% |
| 6 | The Loan Store | B | 19 | 16 | 5.3% | 6.75% |
| 7 | Pennymac Loan Services | C | 15 | 11 | 0.0% | 6.88% |
| 8 | JPMorgan Chase Bank | B | 12 | 7 | 16.7% | 5.88% |
| 9 | Spring Eq | D | 12 | 4 | 33.3% | 9.18% |
| 10 | Bank of America | F | 11 | 3 | 63.6% | 5.25% |
| 11 | Newrez | D | 11 | 4 | 0.0% | 6.88% |
| 12 | Guaranteed Rate | B | 10 | 5 | 0.0% | 6.63% |
| 13 | Navy Federal Credit Union | D | 9 | 3 | 11.1% | 7.75% |
| 14 | Schoolsfirst | A | 9 | 4 | 22.2% | 7.25% |
| 15 | Figure Lending | C | 9 | 6 | 0.0% | 7.70% |
| 16 | Wells Fargo Bank | B | 8 | 6 | 0.0% | 6.13% |
| 17 | Lakeview Loan Servicing | C | 8 | 1 | 62.5% | 6.88% |
| 18 | Broker Solutions | D | 8 | 3 | 12.5% | 6.38% |
| 19 | CMG Mortgage | A | 7 | 3 | 14.3% | 7.03% |
| 20 | Sofi Bank | D | 7 | 2 | 0.0% | 7.19% |
| 21 | Citibank | B | 6 | 3 | 16.7% | 6.38% |
| 22 | 21st Mortgage | F | 6 | 1 | 66.7% | 8.99% |
| 23 | Kind Lending | C | 6 | 2 | 50.0% | 6.87% |
| 24 | Angel Oak Mortgage Solutions | D | 6 | 4 | 16.7% | 7.31% |
| 25 | Fundloans Capital | D | 6 | 2 | 0.0% | 7.81% |
Best approval odds in Mono County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 117 | 0.9% |
| 2 | American Pacific Mortgage | 66 | 3.0% |
What Mono County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Mono County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 561 | 322 | 18.7% | 7.13% | $415,000 |
| 2024 | 637 | 369 | 17.4% | 7.13% | $415,000 |
| 2025 | 769 | 469 | 12.6% | 6.88% | $425,000 |
Frequently asked questions
12.6% of applications in Mono County were denied in 2025, against 17.4% statewide in California.
Crosscountry Mortgage, with 148 applications in 2025 and a denial rate of 0.7%.
The median mortgage application in Mono County in 2025 was for $425,000; the median property value on originated loans was $815,000.