Refinancing lenders in Contra Costa County
4,322 refinancing mortgages were made in Contra Costa County, California, in 2025, by 335 lenders. The median rate their borrowers got was 6.125% on a median loan of $655,000. Of 5,607 decisions, 1,045 were denials — 18.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 504 | 6.069% | $665,000 | 15.6% |
| Rocket Mortgage, LLC | 304 | 6.125% | $675,000 | 25.7% |
| Bank of America, National Association | 303 | 5.990% | $635,000 | 25.3% |
| U.S. Bank National Association | 201 | 6.000% | $1,115,000 | 14.6% |
| JPMorgan Chase Bank, National Association | 165 | 6.000% | $860,000 | 9.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 154 | 6.470% | $750,000 | 1.9% |
| Fremont Bank | 136 | 8.250% | $255,000 | 29.6% |
| Patelco Credit Union | 128 | 8.000% | $180,000 | 12.7% |
| Citibank, National Association | 119 | 5.500% | $1,185,000 | 4.7% |
| Wells Fargo Bank, National Association | 116 | 5.750% | $1,275,000 | 8.6% |
| PENNYMAC LOAN SERVICES, LLC | 109 | 6.124% | $715,000 | 10.1% |
| Loandepot.Com, LLC | 69 | 5.750% | $725,000 | 17.4% |
| THE GOLDEN 1 | 66 | 5.625% | $1,180,000 | 21.3% |
| CMG MORTGAGE, INC. | 63 | 6.500% | $625,000 | 8.8% |
| Third Federal Savings and Loan Association of Cleveland | 53 | 6.990% | $205,000 | 31.7% |
| FINANCE OF AMERICA REVERSE LLC | 51 | 8.990% | $485,000 | 10.5% |
| PNC Bank, National Association | 49 | 5.375% | $495,000 | 33.8% |
| Vellum Mortgage, Inc. | 48 | 6.375% | $615,000 | 2.0% |
| GUARANTEED RATE, INC. | 42 | 6.125% | $950,000 | 4.6% |
| NEWREZ LLC | 40 | 5.990% | $685,000 | 30.5% |
| FREEDOM MORTGAGE CORPORATION | 38 | 6.125% | $620,000 | 13.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 37 | 6.000% | $445,000 | 11.9% |
| Broker Solutions, Inc. | 36 | 6.625% | $570,000 | 10.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 31 | 6.500% | $615,000 | 16.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 30 | 5.750% | $615,000 | 3.1% |
| GOOGAIN, INC. | 28 | 6.250% | $515,000 | 0.0% |
| A&D Mortgage LLC | 27 | 6.125% | $595,000 | 9.7% |
| Charles Schwab Bank, SSB | 27 | 5.500% | $1,185,000 | 3.6% |
| ALLIANT CREDIT UNION | 26 | 7.750% | $255,000 | 27.8% |
| BMO Bank National Association | 25 | 6.000% | $1,145,000 | 25.0% |
| City National Bank | 25 | 5.390% | $1,315,000 | 7.1% |
| LAKEVIEW LOAN SERVICING, LLC | 24 | 5.990% | $650,000 | 59.9% |
| Comerica Bank | 23 | 6.240% | $315,000 | 40.5% |
| Commerce Home Mortgage, Inc. | 23 | 6.625% | $645,000 | 0.0% |
| SPRING EQ, LLC | 22 | 8.913% | $200,000 | 46.3% |
| Cornerstone First Mortgage, Inc | 21 | 6.750% | $985,000 | 0.0% |
| NexBank | 21 | 6.375% | $785,000 | 19.2% |
| NATIONSTAR MORTGAGE LLC | 20 | 6.058% | $615,000 | 36.4% |
| Zions Bancorporation, N.A. | 20 | 6.188% | $720,000 | 24.2% |
| NMSI, INC. | 20 | 6.438% | $695,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 19 | 6.875% | $755,000 | 0.0% |
| Mechanics Bank | 19 | 7.250% | $505,000 | 24.0% |
| ALAMEDA MORTGAGE CORPORATION | 19 | 6.250% | $585,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 18 | 6.500% | $515,000 | 9.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.375% | $670,000 | 13.6% |
| PENTAGON FEDERAL CREDIT UNION | 18 | 7.813% | $315,000 | 34.5% |
| General Mortgage Capital Corporation | 18 | 6.500% | $510,000 | 0.0% |
| THE LOAN STORE, INC. | 17 | 6.375% | $495,000 | 12.5% |
| SmartFi Home Loans, LLC | 17 | 8.990% | $585,000 | 15.0% |
| 1ST NORTHERN CALIFORNIA | 16 | 5.875% | $820,000 | 39.3% |
| LONGBRIDGE FINANCIAL, LLC | 16 | 8.990% | $470,000 | 9.5% |
| MLD MORTGAGE INC. | 16 | 6.125% | $625,000 | 0.0% |
| PLANET HOME LENDING, LLC | 16 | 5.750% | $670,000 | 5.9% |
| PHH Mortgage Corporation | 15 | 5.750% | $545,000 | 21.1% |
| OCMBC, INC. | 15 | 6.125% | $535,000 | 4.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 14 | 5.870% | $725,000 | 0.0% |
| STAR ONE Credit Union | 14 | 5.688% | $1,140,000 | 34.5% |
| TRAVIS CREDIT UNION | 14 | 5.688% | $1,140,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 13 | 6.000% | $535,000 | 27.8% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.125% | $975,000 | 7.1% |
| Sierra Pacific Mortgage Company, Inc. | 13 | 6.250% | $585,000 | 17.7% |
| Provident Credit Union | 13 | 5.375% | $785,000 | 7.1% |
| NuVision Federal Credit Union | 12 | 4.990% | $135,000 | 50.0% |
| GUILD MORTGAGE COMPANY | 12 | 6.125% | $405,000 | 0.0% |
| KIND LENDING, LLC | 12 | 6.813% | $565,000 | 14.3% |
| CHEVRON Federal Credit Union | 12 | 5.750% | $1,160,000 | 20.0% |
| OriginPoint, LLC | 12 | 6.375% | $985,000 | 7.7% |
| TECHNOLOGY CREDIT UNION | 12 | 6.063% | $690,000 | 7.1% |
| Mortgage Research Center, LLC | 11 | 5.750% | $635,000 | 31.6% |
| RESICENTRAL, LLC | 11 | 6.490% | $585,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 11 | 6.125% | $605,000 | 0.0% |
| LoanUnited.com, LLC | 10 | 5.875% | $680,000 | 28.6% |
| 1ST UNITED SERVICES CREDIT UNION | 10 | 5.500% | $255,000 | 38.9% |
| STG MORTGAGE INC | 10 | 6.433% | $790,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 10 | 5.588% | $920,000 | 9.1% |
| Ameris Bank | 10 | 6.125% | $535,000 | 0.0% |
| Bethpage Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 52.6% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEW WAVE LENDING GROUP INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 42.9% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 8.3% |
| TEACHERS FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 68.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Umpqua Bank | 7 | Under 10 loans | Under 10 loans | 42.9% |
| PACIFIC SERVICE CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UNCLE Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Synergy One Lending, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FIRST COLONY MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Goldman Sachs Bank USA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 40.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Watermark Capital, Inc. | 5 | Under 10 loans | Under 10 loans | 11.1% |
| HIGHTECHLENDING INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Tri Counties Bank | 4 | Under 10 loans | Under 10 loans | 60.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| WALL STREET MORTGAGE BANKERS, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| STANFORD Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MERIWEST | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 20.0% |
| BANK OF STOCKTON | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Village Bank and Trust, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 60.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SIERRA CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ONY GLO, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Financial Partners Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Marin | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fresno First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| REDWOOD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 1 | 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 135 lenders each made 1 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.