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Yolo County, California · 2025

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

308 lenders acted on 4,707 mortgage applications for properties in Yolo County in 2025. 16.5% were denied (California: 17.4%). Median rate on closed loans 6.63%; median loan $345,000; median property value $625,000.

4.7kApplications
16.5%Denial ratestate 17.4%
6.63%Median ratestate 6.63%
$345,000Median loan
$625,000Median property value

Largest lenders in Yolo County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 521414 8.3%6.50%
2 The Golden 1 D 309186 28.5%7.75%
3 Rocket Mortgage C 293217 14.3%6.63%
4 Guild Mortgage A 141112 0.7%6.62%
5 Bank of America F 13753 24.1%6.24%
6 U.S. Bank D 13461 38.8%6.88%
7 Spring Eq D 11135 46.9%9.38%
8 The Loan Store B 10176 7.9%6.49%
9 Newrez D 8846 8.0%6.81%
10 Loandepot.Com D 8858 23.9%6.31%
11 Pennymac Loan Services C 8449 10.7%6.63%
12 Primelending, a Plainscapital A 7770 0.0%6.63%
13 Triad Financial Services D 7526 34.7%8.79%
14 Kind Lending C 7457 17.6%6.38%
15 JPMorgan Chase Bank B 7340 15.1%6.25%
16 Coastal Community Bank C 7019 1.4%9.74%
17 Yolo Federal Credit Union – 6939 36.2%6.50%
18 Lennar Mortgage A 6347 7.9%5.25%
19 Guaranteed Rate B 5830 3.5%6.63%
20 21st Mortgage F 577 29.8%9.54%
21 Crosscountry Mortgage B 5236 7.7%5.94%
22 Figure Lending C 5127 17.7%8.28%
23 Broker Solutions D 5018 10.0%6.99%
24 Wells Fargo Bank B 4933 14.3%5.88%
25 Inspire Home Loans B 4841 2.1%6.38%

Best approval odds in Yolo County

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

#LenderDecidedDecision denial rate
1Primelending, a Plainscapital730.0%
2Guild Mortgage1240.8%
3Coastal Community Bank521.9%
4The Loan Store968.3%
5United Shore Financial Services4649.3%
6Lennar Mortgage529.6%
7Newrez5413.0%
8Pennymac Loan Services6214.5%
9Rocket Mortgage26715.7%
10Kind Lending7018.6%

What Yolo County borrowers applied for

By loan purpose

Home purchase 1,960 42% · 8.8% denied
Refinance 709 15% · 12.6% denied
Cash-out refinance 921 20% · 21.7% denied
Home improvement 499 11% · 29.5% denied
Other / HELOC 618 13% · 27.5% denied

By loan type

Conventional 4,005 85% · 16.6% denied
FHA 462 10% · 16.5% denied
VA 233 5% · 15.5% denied
USDA / RHS 7 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 277 36%
Incomplete application 128 16%
Credit history 120 15%
Collateral 110 14%
Unverifiable information 59 8%
Other 58 7%
Insufficient cash 20 3%
Employment history 5 1%

Yolo County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,8732,28618.8%6.75%$335,000
20244,3632,71316.2%6.88%$355,000
20254,7072,81916.5%6.63%$345,000

Frequently asked questions

16.5% of applications in Yolo County were denied in 2025, against 17.4% statewide in California.

United Shore Financial Services, with 521 applications in 2025 and a denial rate of 8.3%.

The median mortgage application in Yolo County in 2025 was for $345,000; the median property value on originated loans was $625,000.