Find a better mortgage lender

San Joaquin County, California · 2025

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

456 lenders acted on 24,865 mortgage applications for properties in San Joaquin County in 2025. 18.2% were denied (California: 17.4%). Median rate on closed loans 6.50%; median loan $355,000; median property value $615,000.

25kApplications
18.2%Denial ratestate 17.4%
6.50%Median ratestate 6.63%
$355,000Median loan
$615,000Median property value

Largest lenders in San Joaquin County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 2,3451,686 13.4%6.38%
2 Rocket Mortgage C 1,6121,145 18.2%6.75%
3 Lennar Mortgage A 996727 7.7%4.99%
4 Loandepot.Com D 821544 15.0%6.25%
5 Bank of America F 692225 41.8%6.24%
6 U.S. Bank D 587258 37.3%6.75%
7 Spring Eq D 575189 51.5%9.55%
8 The Golden 1 D 537242 42.8%7.75%
9 Pennymac Loan Services C 507275 11.8%6.49%
10 Coastal Community Bank C 45988 4.8%9.99%
11 The Loan Store B 432302 8.3%6.63%
12 Newrez D 423120 21.8%6.63%
13 Guaranteed Rate B 419204 5.0%6.38%
14 BMO Bank F 403160 37.2%8.63%
15 Freedom Mortgage B 375113 8.8%6.25%
16 Crosscountry Mortgage B 367215 3.3%6.75%
17 Figure Lending C 311136 28.9%9.06%
18 Lakeview Loan Servicing C 28639 54.6%6.13%
19 Kind Lending C 279173 29.0%6.63%
20 JPMorgan Chase Bank B 274141 13.1%6.38%
21 Kbhs Home Loans B 266176 10.9%6.11%
22 Broker Solutions D 26397 8.0%6.93%
23 Pulte Mortgage A 259163 10.0%5.63%
24 Nationstar Mortgage C 257164 17.5%8.38%
25 Valley Strong Credit Union C 237134 21.1%8.13%

Best approval odds in San Joaquin County

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

#LenderDecidedDecision denial rate
1FlexPoint871.2%
2Ameritrust Mortgage721.4%
3Guild Mortgage1401.4%
4Paramount Residential Mortgage Group1532.0%
5Homeowners Financial Group USA782.6%
6Inspire Home Loans653.1%
7Everett Financial563.6%
8Homeamerican Mortgage1623.7%
9AMWEST Funding654.6%
10Crosscountry Mortgage2335.2%

What San Joaquin County borrowers applied for

By loan purpose

Home purchase 10,563 42% · 8.4% denied
Refinance 4,243 17% · 18.0% denied
Cash-out refinance 4,504 18% · 22.7% denied
Home improvement 2,155 9% · 34.8% denied
Other / HELOC 3,400 14% · 32.8% denied

By loan type

Conventional 19,846 80% · 18.8% denied
FHA 3,850 15% · 16.7% denied
VA 1,161 5% · 14.0% denied
USDA / RHS 8 0% · 12.5% denied

Why applications were denied

Debt-to-income ratio 1,587 35%
Credit history 798 18%
Incomplete application 763 17%
Collateral 598 13%
Other 363 8%
Unverifiable information 222 5%
Insufficient cash 156 3%
Employment history 41 1%
Mortgage insurance denied 1 0%

San Joaquin County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202320,21010,50921.8%6.75%$325,000
202423,89713,04419.8%6.75%$345,000
202524,86513,66218.2%6.50%$355,000

Frequently asked questions

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

United Shore Financial Services, with 2,345 applications in 2025 and a denial rate of 13.4%.

The median mortgage application in San Joaquin County in 2025 was for $355,000; the median property value on originated loans was $615,000.