Largest lenders in Stanislaus County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 1,303 | 931 | 14.4% | 6.26% |
| 2 | Rocket Mortgage | C | 1,044 | 746 | 16.6% | 6.88% |
| 3 | Crosscountry Mortgage | B | 485 | 319 | 2.3% | 6.75% |
| 4 | Spring Eq | D | 420 | 142 | 50.2% | 9.50% |
| 5 | Bank of America | F | 412 | 145 | 46.4% | 6.24% |
| 6 | The Golden 1 | D | 366 | 177 | 35.3% | 7.88% |
| 7 | Guaranteed Rate | B | 360 | 198 | 6.9% | 6.50% |
| 8 | BMO Bank | F | 313 | 121 | 42.2% | 8.74% |
| 9 | Kind Lending | C | 301 | 205 | 23.3% | 6.50% |
| 10 | Loandepot.Com | D | 301 | 174 | 23.3% | 6.99% |
| 11 | U.S. Bank | D | 297 | 108 | 46.1% | 7.93% |
| 12 | American Pacific Mortgage | C | 262 | 208 | 4.2% | 6.50% |
| 13 | Guild Mortgage | A | 255 | 185 | 2.8% | 6.25% |
| 14 | Pennymac Loan Services | C | 251 | 126 | 15.5% | 6.62% |
| 15 | Newrez | D | 251 | 71 | 18.7% | 6.99% |
| 16 | Scenic Oaks Funding | A | 246 | 196 | 3.3% | 6.50% |
| 17 | Freedom Mortgage | B | 237 | 92 | 7.2% | 6.25% |
| 18 | Coastal Community Bank | C | 227 | 48 | 2.2% | 10.62% |
| 19 | JPMorgan Chase Bank | B | 224 | 147 | 7.1% | 6.50% |
| 20 | The Loan Store | B | 221 | 157 | 10.9% | 6.63% |
| 21 | Kbhs Home Loans | B | 220 | 168 | 7.7% | 5.99% |
| 22 | Nationstar Mortgage | C | 197 | 124 | 21.8% | 8.75% |
| 23 | Broker Solutions | D | 184 | 67 | 9.2% | 6.75% |
| 24 | Lakeview Loan Servicing | C | 178 | 33 | 52.3% | 6.38% |
| 25 | Figure Lending | C | 169 | 79 | 23.7% | 8.85% |
Best approval odds in Stanislaus County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | FlexPoint | 119 | 1.7% |
| 2 | Synergy One Lending | 102 | 2.9% |
| 3 | Coastal Community Bank | 166 | 3.0% |
| 4 | Crosscountry Mortgage | 347 | 3.2% |
| 5 | Guild Mortgage | 212 | 3.3% |
| 6 | Paramount Residential Mortgage Group | 102 | 3.9% |
| 7 | Scenic Oaks Funding | 204 | 3.9% |
| 8 | Dhi Mortgage Company | 95 | 4.2% |
| 9 | American Pacific Mortgage | 221 | 5.0% |
| 10 | Kiavi Funding | 96 | 6.3% |
What Stanislaus County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Stanislaus County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 11,416 | 6,077 | 22.0% | 6.88% | $265,000 |
| 2024 | 13,340 | 7,280 | 21.3% | 6.88% | $275,000 |
| 2025 | 14,269 | 7,872 | 19.2% | 6.63% | $295,000 |
Frequently asked questions
19.2% of applications in Stanislaus County were denied in 2025, against 17.4% statewide in California.
United Shore Financial Services, with 1,303 applications in 2025 and a denial rate of 14.4%.
The median mortgage application in Stanislaus County in 2025 was for $295,000; the median property value on originated loans was $495,000.