Refinancing lenders in Los Angeles County
18,881 refinancing mortgages were made in Los Angeles County, California, in 2025, by 556 lenders. The median rate their borrowers got was 6.250% on a median loan of $685,000. Of 26,309 decisions, 5,812 were denials — 22.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,277 | 5.999% | $675,000 | 18.8% |
| Rocket Mortgage, LLC | 1,278 | 6.125% | $695,000 | 26.4% |
| Bank of America, National Association | 896 | 5.990% | $255,000 | 37.9% |
| JPMorgan Chase Bank, National Association | 798 | 6.000% | $995,000 | 9.9% |
| U.S. Bank National Association | 782 | 5.990% | $965,000 | 16.1% |
| Citibank, National Association | 431 | 5.625% | $1,245,000 | 9.1% |
| PENNYMAC LOAN SERVICES, LLC | 398 | 6.125% | $745,000 | 19.5% |
| FINANCE OF AMERICA REVERSE LLC | 372 | 8.990% | $485,000 | 13.6% |
| OCMBC, INC. | 371 | 6.500% | $635,000 | 5.4% |
| Wells Fargo Bank, National Association | 289 | 5.625% | $1,185,000 | 22.0% |
| FREEDOM MORTGAGE CORPORATION | 247 | 6.125% | $595,000 | 10.1% |
| CAKE MORTGAGE CORP. | 237 | 6.990% | $1,005,000 | 5.2% |
| NEW WAVE LENDING GROUP INC | 231 | 7.000% | $615,000 | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 216 | 6.500% | $485,000 | 12.3% |
| City National Bank | 196 | 5.640% | $1,045,000 | 18.2% |
| Third Federal Savings and Loan Association of Cleveland | 184 | 6.990% | $245,000 | 41.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 183 | 6.500% | $855,000 | 3.7% |
| CMG MORTGAGE, INC. | 182 | 6.625% | $745,000 | 12.9% |
| LONGBRIDGE FINANCIAL, LLC | 181 | 8.990% | $425,000 | 7.5% |
| GUARANTEED RATE, INC. | 179 | 6.250% | $805,000 | 4.7% |
| NEWREZ LLC | 176 | 6.000% | $735,000 | 43.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 167 | 6.250% | $655,000 | 8.5% |
| East West Bank | 148 | 6.500% | $595,000 | 11.4% |
| KINECTA | 145 | 6.990% | $225,000 | 20.5% |
| NATIONSTAR MORTGAGE LLC | 131 | 5.999% | $605,000 | 25.3% |
| THE LOAN STORE, INC. | 129 | 6.500% | $655,000 | 7.8% |
| Loandepot.Com, LLC | 127 | 5.990% | $685,000 | 21.6% |
| AAA CAPITAL INVESTMENT, INC. | 124 | 6.375% | $675,000 | 4.2% |
| AUGUSTA FINANCIAL, INC. | 112 | 6.875% | $495,000 | 0.0% |
| Broker Solutions, Inc. | 111 | 6.500% | $635,000 | 14.6% |
| VISTA POINT MORTGAGE, LLC | 111 | 7.625% | $495,000 | 22.2% |
| ROYAL PACIFIC FUNDING CORP. | 108 | 6.490% | $685,000 | 2.3% |
| SPRING EQ, LLC | 105 | 8.450% | $165,000 | 55.9% |
| NMSI, INC. | 105 | 6.500% | $685,000 | 0.0% |
| PHH Mortgage Corporation | 103 | 5.875% | $505,000 | 19.5% |
| Genesis Capital, LLC | 101 | 9.000% | $2,185,000 | 1.9% |
| 549300MPZDD9EFQ1E963 | 100 | 7.938% | $505,000 | 1.0% |
| Zions Bancorporation, N.A. | 96 | 6.250% | $590,000 | 30.4% |
| Paramount Residential Mortgage Group, Inc. | 94 | 6.375% | $670,000 | 1.1% |
| Commerce Home Mortgage, Inc. | 93 | 6.990% | $1,285,000 | 16.7% |
| ALLIANT CREDIT UNION | 91 | 7.750% | $255,000 | 28.7% |
| MidFirst Bank | 89 | 6.125% | $1,105,000 | 13.6% |
| NexBank | 87 | 6.375% | $985,000 | 22.6% |
| General Mortgage Capital Corporation | 87 | 6.125% | $585,000 | 2.3% |
| BMO Bank National Association | 85 | 5.750% | $1,255,000 | 38.0% |
| PLANET HOME LENDING, LLC | 84 | 5.750% | $635,000 | 11.1% |
| PNC Bank, National Association | 82 | 7.940% | $495,000 | 47.5% |
| HIGHTECHLENDING INC | 82 | 6.750% | $370,000 | 6.3% |
| SCHOOLSFIRST | 79 | 5.875% | $625,000 | 19.2% |
| Comerica Bank | 77 | 5.990% | $360,000 | 53.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 74 | 6.000% | $635,000 | 10.7% |
| MOVEMENT MORTGAGE, LLC | 74 | 6.625% | $945,000 | 9.0% |
| 549300DLBRGR2O0VNZ96 | 74 | 6.688% | $580,000 | 0.0% |
| KIND LENDING, LLC | 73 | 6.500% | $695,000 | 49.0% |
| SmartFi Home Loans, LLC | 72 | 8.980% | $415,000 | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 71 | 6.875% | $765,000 | 10.0% |
| AMWEST FUNDING CORP. | 71 | 5.875% | $715,000 | 9.0% |
| A&D Mortgage LLC | 70 | 6.125% | $675,000 | 15.3% |
| LAKEVIEW LOAN SERVICING, LLC | 69 | 5.990% | $705,000 | 66.1% |
| PENTAGON FEDERAL CREDIT UNION | 68 | 7.750% | $275,000 | 50.0% |
| ONY GLO, INC. | 67 | 6.750% | $505,000 | 41.7% |
| F&A Federal Credit Union | 62 | 7.188% | $205,000 | 12.3% |
| Kiavi Funding, Inc. | 60 | 8.950% | $855,000 | 19.5% |
| Fairway Independent Mortgage Corporation | 57 | 6.500% | $795,000 | 0.0% |
| Charles Schwab Bank, SSB | 57 | 5.500% | $1,305,000 | 13.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 56 | 6.500% | $755,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 55 | 7.000% | $725,000 | 61.8% |
| LOGIX FEDERAL CREDIT UNION | 55 | 5.990% | $585,000 | 17.7% |
| CALIFORNIA CREDIT UNION | 54 | 5.750% | $730,000 | 16.7% |
| Cathay Bank | 54 | 6.250% | $1,010,000 | 5.1% |
| HomeTrust Bank | 54 | 8.875% | $505,000 | 10.9% |
| FOOTHILL FEDERAL CREDIT UNION | 53 | 5.500% | $305,000 | 11.7% |
| Financial Partners Credit Union | 52 | 7.250% | $255,000 | 23.2% |
| FIRST ENTERTAINMENT | 52 | 6.000% | $570,000 | 22.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 51 | 6.625% | $695,000 | 47.4% |
| First-Citizens Bank & Trust Company | 50 | 5.990% | $580,000 | 36.1% |
| NQM FUNDING, LLC | 50 | 7.250% | $895,000 | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 49 | 6.875% | $745,000 | 50.0% |
| Logan Finance Corporation | 49 | 6.999% | $1,085,000 | 7.4% |
| Citadel Servicing Corporation | 49 | 6.875% | $885,000 | 6.7% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 47 | 6.125% | $515,000 | 10.9% |
| MACKILLIE INCORPORATED | 47 | 11.000% | $395,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 46 | 6.438% | $715,000 | 17.0% |
| BAY-VALLEY MORTGAGE GROUP | 46 | 6.063% | $565,000 | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 45 | 7.375% | $895,000 | 27.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 45 | 5.995% | $675,000 | 16.7% |
| Morgan Stanley Private Bank, National Association | 45 | 5.710% | $1,035,000 | 17.0% |
| 9845007CY0EC0F59W414 | 45 | 7.125% | $505,000 | 10.0% |
| EMET LENDING GROUP, INC. | 44 | 6.875% | $645,000 | 0.0% |
| PFN Lending Group, Inc. | 44 | 7.688% | $520,000 | 21.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 44 | 6.000% | $680,000 | 9.3% |
| THE GOLDEN 1 | 44 | 5.660% | $1,335,000 | 8.2% |
| FlexPoint, Inc. | 42 | 6.875% | $765,000 | 10.3% |
| Fidelity Lending Solutions, Inc. | 42 | 6.875% | $770,000 | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 41 | 6.625% | $735,000 | 6.7% |
| WATER AND POWER COMMUNITY Credit Union | 41 | 6.000% | $615,000 | 6.8% |
| VICTORIA FINANCIAL CORP. | 40 | 6.499% | $615,000 | 2.4% |
| Bethpage Federal Credit Union | 38 | 6.990% | $390,000 | 56.3% |
| NuVision Federal Credit Union | 38 | 4.990% | $180,000 | 46.5% |
| JMAC LENDING, INC. | 38 | 6.490% | $640,000 | 5.0% |
| NATIONS DIRECT MORTGAGE, LLC | 38 | 6.625% | $685,000 | 0.0% |
| NEXERA HOLDING LLC | 37 | 7.125% | $745,000 | 25.9% |
| First Foundation Bank | 37 | 6.210% | $2,005,000 | 9.5% |
| LADERA LENDING, INC. | 36 | 7.750% | $185,000 | 11.6% |
| GUILD MORTGAGE COMPANY | 36 | 6.375% | $705,000 | 6.8% |
| Lendage, LLC | 36 | 10.313% | $145,000 | 14.9% |
| T. J. FINANCIAL, INC. | 36 | 6.000% | $630,000 | 0.0% |
| STG MORTGAGE INC | 35 | 6.500% | $725,000 | 9.1% |
| Equity Prime Mortgage LLC | 35 | 5.875% | $755,000 | 7.9% |
| CLEAREDGE LENDING LLC | 35 | 6.999% | $1,255,000 | 35.2% |
| OriginPoint, LLC | 34 | 6.500% | $795,000 | 10.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 33 | 6.250% | $715,000 | 59.6% |
| SOUTH RIVER MORTGAGE, LLC | 33 | 8.990% | $415,000 | 8.3% |
| WALKER & DUNLOP, LLC | 33 | 5.380% | $3,665,000 | 10.8% |
| FIRST STANDARD FINANCIAL CORP. | 33 | 6.500% | $645,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 32 | 7.625% | $775,000 | 46.7% |
| NATIONWIDE EQUITIES CORPORATION | 32 | 8.980% | $710,000 | 5.9% |
| LoanUnited.com, LLC | 31 | 5.990% | $565,000 | 29.5% |
| ARC HOME LLC | 31 | 6.875% | $885,000 | 15.0% |
| GUARANTEED RATE AFFINITY, LLC | 31 | 6.250% | $785,000 | 5.7% |
| Citizens Bank, National Association | 31 | 5.700% | $2,120,000 | 6.1% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 31 | 6.000% | $3,225,000 | 5.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 29 | 6.375% | $625,000 | 29.3% |
| UNION HOME MORTGAGE CORP. | 29 | 6.125% | $645,000 | 11.1% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 29 | 6.040% | $1,155,000 | 17.1% |
| Discover Bank | 28 | 8.615% | $140,000 | 74.0% |
| FIRST COLONY MORTGAGE CORPORATION | 27 | 6.375% | $695,000 | 11.1% |
| JMJ FINANCIAL GROUP | 27 | 6.624% | $765,000 | 0.0% |
| INTELLILOAN, INC. | 26 | 6.000% | $620,000 | 18.4% |
| Mortgage Research Center, LLC | 25 | 5.875% | $725,000 | 72.5% |
| Navy Federal Credit Union | 25 | 5.875% | $715,000 | 39.0% |
| First Bank | 25 | 8.250% | $275,000 | 43.5% |
| Sierra Pacific Mortgage Company, Inc. | 25 | 6.625% | $575,000 | 18.8% |
| Northpointe Bank | 25 | 6.125% | $695,000 | 18.8% |
| Greenbox Loans, Inc. | 25 | 7.750% | $805,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 24 | 6.375% | $795,000 | 26.5% |
| BETTER MORTGAGE CORPORATION | 24 | 5.995% | $685,000 | 30.6% |
| QUORUM FEDERAL CREDIT UNION | 24 | 8.063% | $255,000 | 28.6% |
| CONVENTUS LLC | 24 | 9.500% | $1,615,000 | 4.0% |
| Watermark Capital, Inc. | 24 | 6.375% | $645,000 | 0.0% |
| Flagstar Bank, N.A. | 23 | 5.667% | $1,065,000 | 47.8% |
| Cornerstone First Mortgage, Inc | 23 | 6.875% | $875,000 | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 23 | 8.250% | $485,000 | 13.3% |
| LUMENT REAL ESTATE CAPITAL, LLC | 23 | 5.800% | $3,475,000 | 0.0% |
| Malaga Bank F.S.B | 23 | Not published | $1,335,000 | 11.1% |
| SUMMIT MORTGAGE BANKERS INC. | 23 | 6.500% | $655,000 | 0.0% |
| ML Mortgage Corp. | 22 | 6.125% | $645,000 | 0.0% |
| PCB Bank | 22 | Not published | $565,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 21 | 10.990% | $1,485,000 | 33.3% |
| AHL FUNDING | 21 | 6.875% | $755,000 | 4.6% |
| WALL STREET MORTGAGE BANKERS, LTD. | 21 | 6.375% | $1,095,000 | 18.5% |
| Stifel Bank and Trust | 21 | 5.875% | $1,075,000 | 0.0% |
| MISSION LOANS, LLC | 20 | 8.188% | $145,000 | 7.4% |
| Bank of Hope | 20 | 6.125% | $665,000 | 26.7% |
| Emporium TPO LLC | 20 | 7.058% | $1,090,000 | 14.3% |
| UBS Bank USA | 20 | 5.813% | $1,135,000 | 4.8% |
| Fresno First Bank | 20 | Not published | $1,500,000 | 0.0% |
| LUXURY MORTGAGE CORP. | 19 | 6.999% | $1,295,000 | 20.8% |
| ENNKAR, INC. | 19 | 6.375% | $535,000 | 9.1% |
| PLAZA HOME MORTGAGE, INC. | 18 | 5.870% | $660,000 | 58.3% |
| Ameris Bank | 18 | 5.990% | $605,000 | 0.0% |
| CAMPOS FINANCIAL CORP. | 18 | 6.375% | $545,000 | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 17 | 6.500% | $695,000 | 45.7% |
| DEEPHAVEN MORTGAGE LLC | 17 | 7.125% | $1,165,000 | 45.7% |
| PARTNERS Federal Credit Union | 17 | 5.900% | $725,000 | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | 17 | 5.375% | $815,000 | 10.5% |
| Hanmi Bank | 17 | Not published | $475,000 | 0.0% |
| SOUTHLAND CREDIT UNION | 16 | 5.875% | $525,000 | 38.5% |
| DATA MORTGAGE, INC. | 16 | 6.063% | $655,000 | 5.9% |
| USC Credit Union | 16 | 6.125% | $450,000 | 15.0% |
| Mechanics Bank | 16 | 5.750% | $1,470,000 | 15.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 15 | 9.990% | $655,000 | 0.0% |
| FUNDLOANS CAPITAL | 15 | 7.250% | $2,265,000 | 16.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 15 | 6.874% | $625,000 | 21.1% |
| Provident Savings Bank, F.S.B. | 15 | 6.375% | $885,000 | 37.5% |
| Barrington Bank & Trust Company, National Association | 15 | 6.125% | $585,000 | 0.0% |
| MLD MORTGAGE INC. | 15 | 6.250% | $775,000 | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 15 | 5.990% | $465,000 | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 14 | 6.563% | $675,000 | 50.0% |
| NBKC BANK | 14 | 6.250% | $700,000 | 25.0% |
| RESICENTRAL, LLC | 14 | 6.495% | $805,000 | 10.0% |
| Royal Business Bank | 14 | 6.500% | $965,000 | 0.0% |
| Fremont Bank | 14 | 8.250% | $260,000 | 44.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 14 | 6.063% | $695,000 | 17.7% |
| EZ FUNDINGS INC. | 14 | 6.125% | $665,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 14 | 6.438% | $855,000 | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 13 | 6.375% | $815,000 | 45.8% |
| LBS FINANCIAL | 13 | 6.000% | $755,000 | 27.8% |
| Archwest Funding | 13 | 8.750% | $2,135,000 | 0.0% |
| Pacific Premier Bank | 13 | 5.900% | $1,615,000 | 13.3% |
| Filo Mortgage, L.L.C. | 12 | 6.125% | $695,000 | 13.3% |
| Woori America Bank | 12 | Not published | $860,000 | 20.0% |
| Rize Federal Credit Union | 12 | Not published | $735,000 | 20.0% |
| GOOGAIN, INC. | 12 | 6.438% | $675,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.125% | $655,000 | 31.3% |
| Los Angeles Federal Credit Union | 11 | 6.875% | $175,000 | 0.0% |
| Truist Bank | 11 | 5.840% | $625,000 | 63.3% |
| Goldman Sachs Bank USA | 11 | 5.550% | $1,855,000 | 45.0% |
| Gain Federal Credit Union | 11 | 4.990% | $245,000 | 42.1% |
| LENDSURE MORTGAGE CORP. | 11 | 7.375% | $745,000 | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 356 lenders each made 11 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.