Refinancing lenders in Marin County
954 refinancing mortgages were made in Marin County, California, in 2025, by 213 lenders. The median rate their borrowers got was 6.250% on a median loan of $815,000. Of 1,194 decisions, 204 were denials — 17.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| U.S. Bank National Association | 68 | 6.000% | $1,005,000 | 5.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 64 | 6.122% | $775,000 | 13.5% |
| Bank of America, National Association | 62 | 5.990% | $505,000 | 31.9% |
| Rocket Mortgage, LLC | 60 | 6.058% | $805,000 | 17.6% |
| Wells Fargo Bank, National Association | 55 | 5.625% | $1,395,000 | 11.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 43 | 6.500% | $1,045,000 | 0.0% |
| Bank of Marin | 37 | Not published | $155,000 | 24.0% |
| JPMorgan Chase Bank, National Association | 33 | 5.990% | $1,005,000 | 13.2% |
| Charles Schwab Bank, SSB | 21 | 5.625% | $1,205,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.875% | $845,000 | 4.8% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.500% | $1,075,000 | 15.0% |
| Patelco Credit Union | 15 | 8.000% | $175,000 | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 15 | 9.240% | $535,000 | 22.7% |
| GUARANTEED RATE, INC. | 14 | 6.313% | $1,280,000 | 6.3% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.990% | $205,000 | 26.3% |
| Citibank, National Association | 13 | 5.500% | $1,945,000 | 13.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 6.625% | $805,000 | 18.8% |
| OriginPoint, LLC | 12 | 6.688% | $1,290,000 | 7.1% |
| Broker Solutions, Inc. | 12 | 6.500% | $1,060,000 | 14.3% |
| CMG MORTGAGE, INC. | 12 | 6.500% | $830,000 | 7.7% |
| NEWREZ LLC | 10 | 6.563% | $1,020,000 | 23.1% |
| Loandepot.Com, LLC | 10 | 6.413% | $810,000 | 16.7% |
| Ameris Bank | 10 | 6.125% | $500,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 7.1% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ALLIANT CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| REDWOOD | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Fremont Bank | 8 | Under 10 loans | Under 10 loans | 52.9% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 35.7% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 5 | Under 10 loans | Under 10 loans | 46.2% |
| City National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ONY GLO, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE GOLDEN 1 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 14.3% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 70.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VALLEY STRONG CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TRAVIS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M SQUARED FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROPONENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SACRAMENTO Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First American Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SIERRA CENTRAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | Not published |
| ALAMEDA MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| SCHOOLSFIRST | 0 | Under 10 loans | Under 10 loans | Not published |
| GEORGIA'S OWN | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BARINGS MULTIFAMILY CAPITAL LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KEYPOINT Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| NFM, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300MPZDD9EFQ1E963 | 0 | Under 10 loans | Under 10 loans | Not published |
| 5TH STREET CAPITAL, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY EQUITY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 1ST NORTHERN CALIFORNIA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 13 lenders each made 0 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.