Home purchase lenders in Riverside County
23,708 home purchase mortgages were made in Riverside County, California, in 2025, by 553 lenders. The median rate their borrowers got was 6.375% on a median loan of $505,000. Of 28,701 decisions, 3,770 were denials — 13.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,221 | 6.500% | $515,000 | 10.2% |
| Rocket Mortgage, LLC | 1,386 | 6.500% | $515,000 | 13.4% |
| DHI MORTGAGE COMPANY, LTD. | 914 | 4.750% | $585,000 | 13.2% |
| LENNAR MORTGAGE, LLC | 828 | 4.625% | $505,000 | 7.7% |
| OCMBC, INC. | 749 | 6.625% | $505,000 | 5.4% |
| Loandepot.Com, LLC | 718 | 6.125% | $505,000 | 10.2% |
| THE LOAN STORE, INC. | 581 | 6.625% | $525,000 | 5.2% |
| KBHS HOME LOANS, LLC | 488 | 5.990% | $545,000 | 8.8% |
| FRANKLIN LOAN CORPORATION | 456 | 6.625% | $435,000 | 1.9% |
| PULTE MORTGAGE LLC | 441 | 5.500% | $595,000 | 31.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 438 | 6.575% | $515,000 | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | 429 | 6.375% | $505,000 | 15.5% |
| Paramount Residential Mortgage Group, Inc. | 339 | 6.500% | $455,000 | 1.7% |
| JPMorgan Chase Bank, National Association | 323 | 6.375% | $495,000 | 15.4% |
| SCHOOLSFIRST | 306 | 6.250% | $495,000 | 2.4% |
| GUARANTEED RATE, INC. | 305 | 6.375% | $495,000 | 5.9% |
| KIND LENDING, LLC | 286 | 6.500% | $485,000 | 28.6% |
| U.S. Bank National Association | 283 | 6.375% | $595,000 | 24.7% |
| Mortgage Research Center, LLC | 281 | 6.125% | $545,000 | 7.8% |
| Broker Solutions, Inc. | 277 | 6.625% | $465,000 | 3.5% |
| Fairway Independent Mortgage Corporation | 256 | 6.250% | $445,000 | 3.4% |
| CMG MORTGAGE, INC. | 255 | 6.500% | $515,000 | 4.3% |
| NEWREZ LLC | 252 | 6.250% | $505,000 | 10.2% |
| 254900YZ174H294JW398 | 239 | 5.990% | $465,000 | 3.8% |
| ML Mortgage Corp. | 234 | 6.625% | $435,000 | 2.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 210 | 4.750% | $575,000 | 9.1% |
| Navy Federal Credit Union | 208 | 6.250% | $555,000 | 17.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 207 | 6.750% | $505,000 | 13.6% |
| Kiavi Funding, Inc. | 204 | 9.950% | $425,000 | 3.7% |
| TRIAD FINANCIAL SERVICES, INC. | 184 | 8.730% | $135,000 | 34.7% |
| Taylor Morrison Home Funding, Inc. | 178 | 5.625% | $500,000 | 14.4% |
| UNIVERSAL LENDING CORPORATION | 167 | 4.990% | $475,000 | 2.9% |
| GUILD MORTGAGE COMPANY | 161 | 6.375% | $435,000 | 2.8% |
| 21st Mortgage Corporation | 158 | 10.060% | $135,000 | 71.4% |
| Wells Fargo Bank, National Association | 157 | 6.250% | $515,000 | 20.3% |
| ROYAL PACIFIC FUNDING CORP. | 149 | 6.250% | $495,000 | 3.5% |
| MOVEMENT MORTGAGE, LLC | 146 | 6.625% | $450,000 | 6.3% |
| INSPIRE HOME LOANS INC. | 145 | 4.875% | $505,000 | 15.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 142 | 6.345% | $515,000 | 8.0% |
| ZILLOW HOME LOANS, LLC | 139 | 6.375% | $455,000 | 10.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 135 | 6.490% | $495,000 | 1.5% |
| GOLDEN EMPIRE MORTGAGE, INC. | 132 | 6.625% | $470,000 | 6.3% |
| City National Bank | 129 | 6.380% | $535,000 | 13.8% |
| Bank of America, National Association | 126 | 6.000% | $475,000 | 39.9% |
| NMSI, INC. | 125 | 6.625% | $545,000 | 0.0% |
| AMWEST FUNDING CORP. | 121 | 6.625% | $505,000 | 5.4% |
| JMAC LENDING, INC. | 116 | 6.625% | $515,000 | 4.9% |
| GEO-CORP, INC. | 114 | 6.875% | $545,000 | 8.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 107 | 6.375% | $455,000 | 2.4% |
| Commerce Home Mortgage, Inc. | 106 | 7.375% | $475,000 | 7.0% |
| First-Citizens Bank & Trust Company | 106 | 5.450% | $395,000 | 15.2% |
| East West Bank | 104 | 6.500% | $425,000 | 10.3% |
| Sierra Pacific Mortgage Company, Inc. | 103 | 6.500% | $475,000 | 4.6% |
| FlexPoint, Inc. | 101 | 6.625% | $465,000 | 4.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 97 | 6.875% | $515,000 | 13.4% |
| AMERITRUST MORTGAGE CORPORATION | 93 | 6.875% | $515,000 | 4.1% |
| Hometown Equity Mortgage, LLC | 88 | 6.875% | $550,000 | 41.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 6.125% | $455,000 | 6.5% |
| FREEDOM MORTGAGE CORPORATION | 84 | 6.250% | $565,000 | 13.1% |
| Prosperity Home Mortgage, LLC | 83 | 6.750% | $445,000 | 0.0% |
| NEW WAVE LENDING GROUP INC | 81 | 7.000% | $525,000 | 0.0% |
| A&D Mortgage LLC | 74 | 6.500% | $490,000 | 10.7% |
| AHL FUNDING | 72 | 6.750% | $530,000 | 0.0% |
| Equity Prime Mortgage LLC | 69 | 6.500% | $515,000 | 19.8% |
| EZ FUNDINGS INC. | 67 | 6.490% | $505,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 64 | 7.500% | $445,000 | 27.0% |
| Eagle Community Credit Union | 61 | 9.500% | $115,000 | 1.5% |
| STG MORTGAGE INC | 59 | 6.625% | $555,000 | 8.7% |
| Flagstar Bank, N.A. | 59 | 6.500% | $465,000 | 32.6% |
| RESICENTRAL, LLC | 59 | 6.250% | $555,000 | 3.1% |
| NATIONS DIRECT MORTGAGE, LLC | 59 | 6.625% | $465,000 | 11.9% |
| Citadel Servicing Corporation | 58 | 7.188% | $555,000 | 2.4% |
| HOMEXPRESS MORTGAGE CORP. | 54 | 7.250% | $470,000 | 48.1% |
| The Tax Lady | 54 | 6.313% | $440,000 | 5.3% |
| GENWAY HOME MORTGAGE, INC. | 53 | 6.875% | $445,000 | 44.9% |
| PACIFIC LENDING LLC | 53 | 6.624% | $535,000 | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 53 | 9.750% | $405,000 | 0.0% |
| CLM MORTGAGE, INC. | 50 | 6.375% | $515,000 | 1.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 49 | 6.500% | $485,000 | 10.9% |
| JMJ FINANCIAL GROUP | 48 | 6.500% | $560,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 47 | 6.625% | $505,000 | 2.1% |
| BAY EQUITY LLC | 47 | 6.875% | $405,000 | 4.0% |
| Home Mortgage Alliance Corporation (HMAC) | 46 | 6.875% | $515,000 | 29.8% |
| BAY-VALLEY MORTGAGE GROUP | 46 | 6.625% | $515,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 46 | 6.250% | $525,000 | 30.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 45 | 8.800% | $105,000 | 43.6% |
| MORTGAGEONE, INC. | 44 | 6.500% | $555,000 | 12.0% |
| Citibank, National Association | 44 | 6.000% | $555,000 | 9.8% |
| Zions Bancorporation, N.A. | 43 | 6.500% | $555,000 | 29.1% |
| CAKE MORTGAGE CORP. | 43 | 7.625% | $505,000 | 6.5% |
| FIRST COLONY MORTGAGE CORPORATION | 43 | 6.375% | $505,000 | 6.9% |
| CLEAREDGE LENDING LLC | 43 | 7.125% | $555,000 | 17.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 43 | 6.750% | $605,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 42 | 6.813% | $395,000 | 44.3% |
| General Mortgage Capital Corporation | 42 | 6.563% | $510,000 | 4.6% |
| DEEPHAVEN MORTGAGE LLC | 41 | 7.375% | $465,000 | 26.8% |
| AMERICAN FINANCIAL RESOURCES, INC. | 41 | 6.375% | $455,000 | 4.7% |
| UNION HOME MORTGAGE CORP. | 40 | 6.125% | $430,000 | 10.6% |
| NEXERA HOLDING LLC | 39 | 7.250% | $775,000 | 18.4% |
| EMET LENDING GROUP, INC. | 39 | 7.000% | $585,000 | 0.0% |
| BMO Bank National Association | 38 | 6.313% | $645,000 | 28.3% |
| AAA CAPITAL INVESTMENT, INC. | 37 | 6.875% | $415,000 | 2.3% |
| Morgan Stanley Private Bank, National Association | 36 | 5.925% | $780,000 | 5.1% |
| Charles Schwab Bank, SSB | 36 | 5.575% | $780,000 | 2.6% |
| Cornerstone First Mortgage, Inc | 35 | 6.625% | $455,000 | 2.8% |
| VISION ONE MORTGAGE, INC. | 35 | 6.625% | $535,000 | 7.9% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 34 | 6.250% | $460,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 34 | 6.375% | $480,000 | 15.0% |
| NexBank | 33 | 6.625% | $525,000 | 26.7% |
| EVERETT FINANCIAL, INC. | 32 | 6.813% | $415,000 | 0.0% |
| PLANET HOME LENDING, LLC | 29 | 6.125% | $495,000 | 17.1% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 29 | 5.500% | $565,000 | 17.1% |
| BETTER MORTGAGE CORPORATION | 28 | 6.688% | $525,000 | 22.2% |
| CALIFORNIA CREDIT UNION | 28 | 5.750% | $690,000 | 6.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 28 | 7.187% | $445,000 | 28.2% |
| LoanUnited.com, LLC | 28 | 6.250% | $565,000 | 15.2% |
| Logan Finance Corporation | 28 | 7.187% | $495,000 | 0.0% |
| BANC ONE MORTGAGE CORPORATION | 27 | 6.875% | $585,000 | 0.0% |
| Genesis Capital, LLC | 27 | 8.000% | $455,000 | 0.0% |
| Synergy One Lending, Inc. | 26 | 6.250% | $460,000 | 0.0% |
| ONY GLO, INC. | 24 | 6.500% | $515,000 | 46.7% |
| OriginPoint, LLC | 24 | 6.813% | $470,000 | 4.0% |
| ARC HOME LLC | 23 | 7.000% | $505,000 | 11.1% |
| VISTA POINT MORTGAGE, LLC | 22 | 7.000% | $405,000 | 33.3% |
| Banner Bank | 22 | 6.438% | $410,000 | 29.0% |
| ALLIANT CREDIT UNION | 22 | 7.750% | $195,000 | 15.4% |
| Plains Commerce Bank | 22 | 6.625% | $510,000 | 4.4% |
| LOWER, LLC | 22 | 6.250% | $520,000 | 8.3% |
| LENDSURE MORTGAGE CORP. | 22 | 7.750% | $435,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.063% | $400,000 | 4.0% |
| 549300DLBRGR2O0VNZ96 | 22 | 6.875% | $435,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 22 | 7.250% | $475,000 | 0.0% |
| Click n' Close, Inc. | 21 | 6.500% | $455,000 | 8.7% |
| Cathay Bank | 20 | 6.313% | $495,000 | 22.2% |
| POINT MORTGAGE CORPORATION | 20 | 6.250% | $455,000 | 0.0% |
| INTERCAP LENDING INC. | 20 | 6.563% | $395,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 19 | 6.125% | $435,000 | 19.4% |
| MORTGAGE CAPITAL PARTNERS, INC. | 19 | 6.750% | $485,000 | 0.0% |
| OAKTREE FUNDING CORP. | 19 | 7.375% | $675,000 | 11.5% |
| ALAMEDA MORTGAGE CORPORATION | 19 | 6.250% | $485,000 | 0.0% |
| UBS Bank USA | 19 | 6.000% | $755,000 | 5.0% |
| USAA Federal Savings Bank | 18 | 6.250% | $570,000 | 55.0% |
| PNC Bank, National Association | 18 | 6.625% | $335,000 | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 18 | 6.688% | $435,000 | 14.3% |
| PANORAMA MORTGAGE GROUP, LLC | 17 | 6.250% | $315,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 17 | 6.750% | $375,000 | 5.6% |
| LONGBRIDGE FINANCIAL, LLC | 17 | 6.125% | $225,000 | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | 16 | 6.750% | $380,000 | 11.1% |
| CORNERSTONE CAPITAL BANK, SSB | 16 | 6.875% | $455,000 | 5.9% |
| NQM FUNDING, LLC | 16 | 7.437% | $525,000 | 15.8% |
| CHURCHILL MORTGAGE CORPORATION | 16 | 6.990% | $510,000 | 0.0% |
| Emporium TPO LLC | 16 | 7.375% | $530,000 | 0.0% |
| FUNDLOANS CAPITAL | 15 | 7.250% | $535,000 | 16.7% |
| NBKC BANK | 15 | 6.375% | $565,000 | 5.9% |
| MLD MORTGAGE INC. | 15 | 6.125% | $475,000 | 0.0% |
| Stifel Bank and Trust | 15 | 6.000% | $545,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 15 | 6.000% | $425,000 | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 14 | 6.750% | $320,000 | 48.3% |
| Truist Bank | 14 | 6.545% | $625,000 | 22.2% |
| LUXURY MORTGAGE CORP. | 14 | 7.188% | $655,000 | 6.7% |
| PARTNERS Federal Credit Union | 14 | 5.825% | $525,000 | 0.0% |
| Royal Business Bank | 14 | 6.625% | $425,000 | 0.0% |
| SCENIC OAKS FUNDING, LLC | 14 | 6.625% | $355,000 | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 14 | 6.625% | $535,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 14 | 9.990% | $1,140,000 | 6.7% |
| Luminate Bank | 14 | 7.250% | $450,000 | 0.0% |
| The Dart Bank | 14 | 6.438% | $500,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 14 | 6.250% | $210,000 | 0.0% |
| SPRING EQ, LLC | 13 | 8.425% | $155,000 | 51.6% |
| GENEVA FINANCIAL, LLC | 13 | 7.375% | $455,000 | 7.1% |
| FBC MORTGAGE, LLC | 13 | 5.875% | $715,000 | 13.3% |
| Fidelity Lending Solutions, Inc. | 13 | 7.000% | $465,000 | 0.0% |
| Provident Savings Bank, F.S.B. | 13 | 6.375% | $805,000 | 18.8% |
| Shea Mortgage Inc. | 13 | 7.000% | $575,000 | 0.0% |
| NuVision Federal Credit Union | 13 | 6.250% | $945,000 | 0.0% |
| 9845007CY0EC0F59W414 | 13 | 6.750% | $455,000 | 0.0% |
| PFN Lending Group, Inc. | 13 | 7.000% | $445,000 | 0.0% |
| DIRECT MORTGAGE, CORP. | 13 | 6.625% | $385,000 | 7.1% |
| FIRST NATIONS HOME FINANCE CORPORATION | 12 | 6.313% | $415,000 | 15.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 6.250% | $465,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 11 | 7.750% | $365,000 | 15.0% |
| 549300MPZDD9EFQ1E963 | 11 | 6.990% | $485,000 | 15.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.875% | $515,000 | 31.3% |
| SUMMIT FUNDING, INC. | 11 | 6.625% | $345,000 | 26.7% |
| MEGASTAR FINANCIAL CORP. | 11 | 6.375% | $385,000 | 0.0% |
| Preferred Bank | 11 | Not published | $615,000 | 8.3% |
| NFM, INC. | 11 | 6.990% | $595,000 | 0.0% |
| Firefighters First Federal Credit Union | 11 | 6.000% | $495,000 | 0.0% |
| V.I.P. MORTGAGE, INC. | 11 | 6.500% | $325,000 | 0.0% |
| Genisys Credit Union | 11 | 5.875% | $1,155,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.245% | $485,000 | 26.7% |
| MORIA DEVELOPMENT, INC. | 10 | 6.495% | $330,000 | 0.0% |
| Watermark Capital, Inc. | 10 | 6.500% | $440,000 | 0.0% |
| AUGUSTA FINANCIAL, INC. | 10 | 6.875% | $445,000 | 0.0% |
| THE GOLDEN 1 | 10 | 6.188% | $600,000 | 0.0% |
| Ameris Bank | 10 | 6.063% | $490,000 | 9.1% |
| First Bank | 10 | 6.625% | $490,000 | 0.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Tomo Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CASTLE & COOKE MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 353 lenders each made 9 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.