Mortgage lenders in Kings County
2,345 mortgages were made in Kings County, California, in 2025, by 238 lenders. The median rate their borrowers got was 6.375% on a median loan of $305,000. Of 3,177 decisions, 672 were denials — 21.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 231 | 6.125% | $315,000 | 15.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 203 | 5.990% | $335,000 | 6.7% |
| LENNAR MORTGAGE, LLC | 161 | 5.750% | $385,000 | 3.6% |
| ALAMEDA MORTGAGE CORPORATION | 140 | 6.490% | $325,000 | 0.7% |
| Rocket Mortgage, LLC | 133 | 6.625% | $245,000 | 20.1% |
| Navy Federal Credit Union | 90 | 8.150% | $105,000 | 35.0% |
| PENNYMAC LOAN SERVICES, LLC | 74 | 6.313% | $260,000 | 15.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 65 | 6.625% | $325,000 | 3.0% |
| KIND LENDING, LLC | 64 | 6.250% | $325,000 | 18.8% |
| Mortgage Research Center, LLC | 63 | 6.250% | $365,000 | 23.5% |
| FREEDOM MORTGAGE CORPORATION | 56 | 6.000% | $350,000 | 9.0% |
| DHI MORTGAGE COMPANY, LTD. | 48 | 5.375% | $360,000 | 7.7% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 47 | 6.500% | $105,000 | 43.6% |
| CLM MORTGAGE, INC. | 43 | 5.750% | $425,000 | 2.1% |
| THE LOAN STORE, INC. | 40 | 6.625% | $330,000 | 4.2% |
| NEWREZ LLC | 39 | 6.125% | $335,000 | 26.8% |
| Commerce Home Mortgage, Inc. | 36 | 6.625% | $300,000 | 10.0% |
| FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION | 35 | Not published | $65,000 | 38.4% |
| THE GOLDEN 1 | 29 | 7.750% | $105,000 | 46.8% |
| NATIONSTAR MORTGAGE LLC | 29 | 6.990% | $155,000 | 13.9% |
| OCMBC, INC. | 27 | 6.875% | $285,000 | 5.9% |
| INSPIRE HOME LOANS INC. | 25 | 5.500% | $405,000 | 12.5% |
| Loandepot.Com, LLC | 22 | 6.370% | $280,000 | 42.1% |
| FIGURE LENDING LLC | 20 | 8.975% | $70,000 | 20.5% |
| Kiavi Funding, Inc. | 17 | 9.750% | $215,000 | 5.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | 5.950% | $345,000 | 0.0% |
| SPRING EQ, LLC | 16 | 9.425% | $65,000 | 57.5% |
| GoodLeap, LLC | 16 | 6.563% | $165,000 | 25.8% |
| BMO Bank National Association | 15 | 7.500% | $215,000 | 48.4% |
| AmeriSave Mortgage Corporation | 15 | 7.750% | $85,000 | 54.6% |
| DEEPHAVEN MORTGAGE LLC | 15 | 6.875% | $215,000 | 21.1% |
| Sierra Pacific Mortgage Company, Inc. | 15 | 6.375% | $325,000 | 11.8% |
| Bank of America, National Association | 14 | 6.490% | $90,000 | 50.0% |
| Broker Solutions, Inc. | 14 | 6.995% | $265,000 | 12.5% |
| JPMorgan Chase Bank, National Association | 14 | 6.563% | $235,000 | 26.3% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.250% | $335,000 | 54.4% |
| Wells Fargo Bank, National Association | 11 | 6.625% | $205,000 | 38.9% |
| GUARANTEED RATE, INC. | 11 | 6.250% | $135,000 | 15.4% |
| PANORAMA MORTGAGE GROUP, LLC | 11 | 6.500% | $275,000 | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 7.1% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 55.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 72.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 23.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 21.4% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 70.8% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NOBLE | 5 | Under 10 loans | Under 10 loans | 45.5% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 44.4% |
| VALLEY STRONG CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Self-Help Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ROYAL PACIFIC FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 76.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DIGNIFIED HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AgWest Farm Credit, FLCA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Allied First Bank,sb | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID VALLEY SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED LOCAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAFE 1 CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| AHL FUNDING | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY-VALLEY MORTGAGE GROUP | 0 | Under 10 loans | Under 10 loans | Not published |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SCHOOLSFIRST | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Home Loan Investment Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PQ03NIDTKFIO56 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| UMB Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Sunflower Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | 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 38 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Kings County
12 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 2 | $354.7 million |
| BMO Bank National Association | 2 | $168.5 million |
| Bank of America, National Association | 1 | $248.9 million |
| Citibank, National Association | 1 | $185.0 million |
| JPMorgan Chase Bank, National Association | 1 | $184.0 million |
| U.S. Bank National Association | 1 | $143.5 million |
| Bank of the Sierra | 1 | $109.3 million |
| Mechanics Bank | 1 | $102.6 million |
| Banc of California | 1 | $66.9 million |
| Westamerica Bank | 1 | $33.3 million |
Get told when this changes
When the next year’s lending figures are out for Kings County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.