Home purchase lenders in Contra Costa County
8,856 home purchase mortgages were made in Contra Costa County, California, in 2025, by 380 lenders. The median rate their borrowers got was 6.499% on a median loan of $625,000. Of 10,111 decisions, 957 were denials — 9.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 971 | 6.500% | $595,000 | 8.5% |
| Rocket Mortgage, LLC | 655 | 6.500% | $615,000 | 10.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 509 | 6.750% | $645,000 | 0.8% |
| Wells Fargo Bank, National Association | 313 | 6.000% | $975,000 | 8.8% |
| U.S. Bank National Association | 286 | 6.125% | $785,000 | 11.0% |
| CMG MORTGAGE, INC. | 280 | 6.500% | $595,000 | 1.3% |
| Bank of America, National Association | 254 | 5.875% | $960,000 | 15.5% |
| EVERETT FINANCIAL, INC. | 248 | 6.625% | $505,000 | 2.4% |
| JPMorgan Chase Bank, National Association | 220 | 6.375% | $805,000 | 11.1% |
| Broker Solutions, Inc. | 191 | 6.500% | $545,000 | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | 179 | 6.499% | $725,000 | 11.0% |
| GUARANTEED RATE, INC. | 163 | 6.490% | $585,000 | 2.4% |
| Loandepot.Com, LLC | 150 | 5.933% | $715,000 | 7.4% |
| Vellum Mortgage, Inc. | 140 | 6.750% | $650,000 | 1.4% |
| Citibank, National Association | 133 | 6.000% | $925,000 | 3.6% |
| Commerce Home Mortgage, Inc. | 120 | 6.990% | $570,000 | 2.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 115 | 6.625% | $585,000 | 3.4% |
| Kiavi Funding, Inc. | 114 | 9.250% | $525,000 | 3.3% |
| MLD MORTGAGE INC. | 96 | 6.125% | $515,000 | 2.8% |
| Paramount Residential Mortgage Group, Inc. | 94 | 6.000% | $500,000 | 3.1% |
| THE LOAN STORE, INC. | 93 | 6.490% | $585,000 | 6.6% |
| THE GOLDEN 1 | 93 | 5.875% | $1,135,000 | 11.4% |
| KIND LENDING, LLC | 86 | 6.500% | $545,000 | 25.8% |
| GUILD MORTGAGE COMPANY | 86 | 6.500% | $545,000 | 6.8% |
| BMO Bank National Association | 77 | 6.250% | $1,005,000 | 20.2% |
| KBHS HOME LOANS, LLC | 74 | 5.933% | $635,000 | 5.1% |
| ENVOY MORTGAGE, LTD | 67 | 6.375% | $555,000 | 1.5% |
| OCMBC, INC. | 62 | 6.875% | $530,000 | 14.1% |
| Mortgage Research Center, LLC | 58 | 6.125% | $630,000 | 9.4% |
| Mechanics Bank | 57 | 5.875% | $1,235,000 | 3.4% |
| ALAMEDA MORTGAGE CORPORATION | 57 | 6.500% | $595,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 57 | 6.750% | $905,000 | 1.7% |
| AMERITRUST MORTGAGE CORPORATION | 54 | 6.625% | $520,000 | 8.5% |
| NEWREZ LLC | 54 | 6.625% | $650,000 | 8.3% |
| AMWEST FUNDING CORP. | 49 | 7.000% | $555,000 | 7.6% |
| CONVENTUS LLC | 49 | 9.750% | $605,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 48 | 6.375% | $605,000 | 5.6% |
| Morgan Stanley Private Bank, National Association | 48 | 5.825% | $1,125,000 | 4.0% |
| East West Bank | 47 | 6.000% | $555,000 | 16.1% |
| Sierra Pacific Mortgage Company, Inc. | 47 | 6.625% | $565,000 | 9.3% |
| Patelco Credit Union | 45 | 5.750% | $765,000 | 8.2% |
| General Mortgage Capital Corporation | 42 | 6.563% | $550,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 42 | 6.625% | $675,000 | 2.3% |
| Provident Credit Union | 42 | 5.688% | $1,010,000 | 0.0% |
| Charles Schwab Bank, SSB | 42 | 5.500% | $1,005,000 | 0.0% |
| Fremont Bank | 41 | 6.990% | $505,000 | 14.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 41 | 6.500% | $575,000 | 4.7% |
| PNC Bank, National Association | 40 | 6.125% | $855,000 | 10.9% |
| CHEVRON Federal Credit Union | 39 | 6.000% | $805,000 | 0.0% |
| NexBank | 37 | 6.250% | $715,000 | 13.6% |
| OriginPoint, LLC | 37 | 6.500% | $985,000 | 5.1% |
| UNION HOME MORTGAGE CORP. | 35 | 6.500% | $545,000 | 5.3% |
| RESICENTRAL, LLC | 35 | 6.625% | $585,000 | 5.1% |
| NEW WAVE LENDING GROUP INC | 35 | 7.000% | $575,000 | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 34 | 6.500% | $425,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 33 | 8.800% | $165,000 | 40.1% |
| A&D Mortgage LLC | 33 | 6.375% | $475,000 | 10.8% |
| Fairway Independent Mortgage Corporation | 32 | 6.750% | $535,000 | 0.0% |
| Quontic Bank | 32 | 8.000% | $240,000 | 3.0% |
| Flagstar Bank, N.A. | 31 | 6.083% | $825,000 | 37.3% |
| First-Citizens Bank & Trust Company | 31 | 5.250% | $225,000 | 22.5% |
| Plains Commerce Bank | 30 | 5.938% | $415,000 | 0.0% |
| NEXERA HOLDING LLC | 29 | 7.125% | $675,000 | 3.3% |
| BETTER MORTGAGE CORPORATION | 28 | 6.375% | $570,000 | 15.2% |
| Citadel Servicing Corporation | 28 | 7.313% | $435,000 | 2.6% |
| Synergy One Lending, Inc. | 28 | 6.625% | $565,000 | 3.5% |
| GOOGAIN, INC. | 28 | 6.433% | $580,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 27 | 7.375% | $445,000 | 37.2% |
| BAY EQUITY LLC | 27 | 6.750% | $595,000 | 6.9% |
| 21st Mortgage Corporation | 24 | 9.745% | $200,000 | 72.8% |
| ZILLOW HOME LOANS, LLC | 24 | 6.188% | $635,000 | 14.3% |
| DHI MORTGAGE COMPANY, LTD. | 24 | 5.750% | $805,000 | 0.0% |
| Navy Federal Credit Union | 23 | 6.250% | $635,000 | 11.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 23 | 6.875% | $625,000 | 14.8% |
| STAR ONE Credit Union | 23 | 6.000% | $795,000 | 12.9% |
| CHAMPIONS FUNDING, LLC | 23 | 8.125% | $505,000 | 17.9% |
| LAND HOME FINANCIAL SERVICES, INC. | 23 | 6.750% | $575,000 | 4.0% |
| NMSI, INC. | 23 | 6.625% | $495,000 | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 22 | 6.250% | $465,000 | 15.4% |
| STG MORTGAGE INC | 22 | 6.625% | $750,000 | 0.0% |
| JMAC LENDING, INC. | 21 | 6.625% | $525,000 | 4.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 20 | 6.688% | $555,000 | 4.8% |
| Zions Bancorporation, N.A. | 18 | 6.063% | $665,000 | 13.3% |
| ALLIANT CREDIT UNION | 18 | 6.375% | $480,000 | 25.0% |
| City National Bank | 18 | 5.345% | $1,275,000 | 0.0% |
| TRAVIS CREDIT UNION | 18 | 5.875% | $585,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 17 | 6.624% | $575,000 | 26.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 17 | 6.250% | $575,000 | 0.0% |
| FlexPoint, Inc. | 16 | 6.313% | $475,000 | 0.0% |
| PULTE MORTGAGE LLC | 16 | 5.500% | $725,000 | 11.1% |
| CLEAREDGE LENDING LLC | 16 | 6.875% | $995,000 | 11.1% |
| REDWOOD | 15 | 6.375% | $485,000 | 6.3% |
| 254900YZ174H294JW398 | 15 | 7.000% | $705,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 6.500% | $555,000 | 10.5% |
| RIGHT START MORTGAGE, INC. | 13 | 6.375% | $555,000 | 0.0% |
| Equity Prime Mortgage LLC | 12 | 6.563% | $605,000 | 14.3% |
| NATIONSTAR MORTGAGE LLC | 12 | 6.558% | $590,000 | 7.7% |
| Fidelity Lending Solutions, Inc. | 12 | 6.750% | $405,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 11 | 5.750% | $735,000 | 15.4% |
| ARC HOME LLC | 11 | 6.875% | $645,000 | 0.0% |
| Ameris Bank | 11 | 6.125% | $535,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.438% | $660,000 | 50.0% |
| Tomo Mortgage, LLC | 10 | 6.433% | $685,000 | 0.0% |
| Tri Counties Bank | 10 | 6.438% | $740,000 | 16.7% |
| Barrington Bank & Trust Company, National Association | 10 | 6.875% | $695,000 | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 10 | 6.313% | $515,000 | 21.4% |
| Shea Mortgage Inc. | 10 | 6.750% | $380,000 | 0.0% |
| UBS Bank USA | 10 | 6.063% | $1,415,000 | 9.1% |
| DEEPHAVEN MORTGAGE LLC | 10 | 7.875% | $545,000 | 9.1% |
| THE POLICE Credit Union | 10 | Not published | $590,000 | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GENWAY HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| LENDSURE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 52.6% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST NORTHERN CALIFORNIA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 69.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 8 | Under 10 loans | Under 10 loans | 9.1% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SUMMIT FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 51.3% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AAA CAPITAL INVESTMENT, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| FRANKLIN LOAN CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CAKE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGEONE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Goldman Sachs Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northbrook Bank and Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TECHNOLOGY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| SAN FRANCISCO FIRE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Royal Business Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 180 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.