Refinancing lenders in San Diego County
10,489 refinancing mortgages were made in San Diego County, California, in 2025, by 480 lenders. The median rate their borrowers got was 6.124% on a median loan of $685,000. Of 13,763 decisions, 2,525 were denials — 18.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,259 | 5.920% | $705,000 | 11.9% |
| Rocket Mortgage, LLC | 732 | 5.990% | $685,000 | 20.0% |
| U.S. Bank National Association | 500 | 6.000% | $865,000 | 12.4% |
| Bank of America, National Association | 328 | 5.990% | $345,000 | 30.3% |
| JPMorgan Chase Bank, National Association | 325 | 5.875% | $815,000 | 9.5% |
| PENNYMAC LOAN SERVICES, LLC | 297 | 6.000% | $775,000 | 12.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 265 | 6.125% | $765,000 | 2.5% |
| FREEDOM MORTGAGE CORPORATION | 197 | 5.750% | $625,000 | 9.5% |
| FINANCE OF AMERICA REVERSE LLC | 195 | 8.990% | $535,000 | 11.8% |
| MISSION | 180 | 5.875% | $915,000 | 4.1% |
| NEWREZ LLC | 176 | 6.125% | $725,000 | 21.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 138 | 6.125% | $485,000 | 7.9% |
| CMG MORTGAGE, INC. | 134 | 6.500% | $685,000 | 8.5% |
| GUARANTEED RATE, INC. | 129 | 6.250% | $855,000 | 4.4% |
| Third Federal Savings and Loan Association of Cleveland | 123 | 6.990% | $225,000 | 31.6% |
| Zions Bancorporation, N.A. | 122 | 6.250% | $505,000 | 19.3% |
| Loandepot.Com, LLC | 106 | 5.990% | $695,000 | 22.0% |
| LONGBRIDGE FINANCIAL, LLC | 100 | 6.563% | $450,000 | 9.3% |
| Wells Fargo Bank, National Association | 92 | 5.813% | $990,000 | 23.3% |
| CALIFORNIA CREDIT UNION | 89 | 5.625% | $925,000 | 8.6% |
| Fairway Independent Mortgage Corporation | 86 | 6.375% | $780,000 | 7.4% |
| SAN DIEGO COUNTY CREDIT UNION | 74 | 8.188% | $180,000 | 32.8% |
| PHH Mortgage Corporation | 74 | 5.990% | $565,000 | 17.8% |
| Citibank, National Association | 68 | 5.563% | $1,145,000 | 16.1% |
| PNC Bank, National Association | 67 | 7.550% | $255,000 | 33.3% |
| SPRING EQ, LLC | 66 | 9.100% | $205,000 | 54.7% |
| THE LOAN STORE, INC. | 63 | 6.490% | $635,000 | 9.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 61 | 5.750% | $775,000 | 5.8% |
| Mortgage Research Center, LLC | 59 | 5.750% | $645,000 | 53.8% |
| LAKEVIEW LOAN SERVICING, LLC | 58 | 5.750% | $680,000 | 61.2% |
| PENTAGON FEDERAL CREDIT UNION | 57 | 7.750% | $335,000 | 39.4% |
| Citizens Bank, National Association | 57 | 5.570% | $1,805,000 | 4.8% |
| Navy Federal Credit Union | 54 | 6.000% | $620,000 | 32.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 53 | 5.750% | $695,000 | 5.4% |
| INTERCAP LENDING INC. | 53 | 6.375% | $695,000 | 0.0% |
| OCMBC, INC. | 52 | 6.500% | $660,000 | 14.1% |
| Comerica Bank | 51 | 5.990% | $305,000 | 39.1% |
| KIND LENDING, LLC | 48 | 6.625% | $655,000 | 31.4% |
| MOVEMENT MORTGAGE, LLC | 47 | 6.125% | $755,000 | 3.3% |
| NexBank | 47 | 6.125% | $865,000 | 15.5% |
| Broker Solutions, Inc. | 44 | 6.375% | $655,000 | 18.2% |
| Charles Schwab Bank, SSB | 42 | 5.513% | $1,190,000 | 13.7% |
| GOOGAIN, INC. | 42 | 6.250% | $620,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 41 | 6.625% | $675,000 | 0.0% |
| RESICENTRAL, LLC | 41 | 6.125% | $615,000 | 0.0% |
| VISTA POINT MORTGAGE, LLC | 39 | 8.875% | $355,000 | 18.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 38 | 6.125% | $690,000 | 17.4% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 38 | 5.875% | $430,000 | 22.0% |
| NATIONSTAR MORTGAGE LLC | 36 | 5.990% | $640,000 | 25.5% |
| ALLIANT CREDIT UNION | 36 | 7.500% | $330,000 | 35.1% |
| A&D Mortgage LLC | 36 | 6.125% | $610,000 | 5.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 36 | 6.375% | $675,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 36 | 6.125% | $695,000 | 0.0% |
| PLANET HOME LENDING, LLC | 36 | 5.500% | $710,000 | 15.9% |
| NMSI, INC. | 36 | 6.438% | $550,000 | 0.0% |
| FRONTWAVE | 34 | 7.500% | $200,000 | 36.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 33 | 6.125% | $715,000 | 42.1% |
| SmartFi Home Loans, LLC | 33 | 8.980% | $535,000 | 17.5% |
| MYPOINT Credit Union | 32 | 5.500% | $700,000 | 36.0% |
| Kiavi Funding, Inc. | 32 | 9.450% | $1,295,000 | 10.8% |
| GOLDEN EMPIRE MORTGAGE, INC. | 32 | 6.250% | $715,000 | 8.6% |
| CONVENTUS LLC | 32 | 10.370% | $1,640,000 | 0.0% |
| LoanUnited.com, LLC | 31 | 6.000% | $595,000 | 13.5% |
| BETTER MORTGAGE CORPORATION | 31 | 6.125% | $635,000 | 20.0% |
| NEXERA HOLDING LLC | 30 | 7.125% | $1,135,000 | 21.1% |
| GUILD MORTGAGE COMPANY | 30 | 6.125% | $630,000 | 7.7% |
| Synergy One Lending, Inc. | 30 | 6.500% | $730,000 | 8.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 28 | 5.903% | $675,000 | 9.8% |
| Paramount Residential Mortgage Group, Inc. | 28 | 6.438% | $705,000 | 0.0% |
| POINT MORTGAGE CORPORATION | 26 | 6.500% | $740,000 | 3.2% |
| Ameris Bank | 26 | 5.995% | $685,000 | 0.0% |
| Bethpage Federal Credit Union | 25 | 6.990% | $405,000 | 45.7% |
| MORTGAGEONE, INC. | 25 | 6.625% | $705,000 | 0.0% |
| JMAC LENDING, INC. | 23 | 6.500% | $645,000 | 0.0% |
| Equity Prime Mortgage LLC | 22 | 6.063% | $725,000 | 18.5% |
| Axos Bank | 21 | 6.625% | $675,000 | 19.2% |
| CHAMPIONS FUNDING, LLC | 21 | 6.999% | $585,000 | 41.7% |
| Citadel Servicing Corporation | 21 | 6.875% | $735,000 | 3.1% |
| Flagstar Bank, N.A. | 21 | 6.125% | $965,000 | 26.7% |
| Commerce Home Mortgage, Inc. | 20 | 6.933% | $1,155,000 | 16.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 20 | 6.563% | $765,000 | 9.1% |
| Discover Bank | 18 | 8.220% | $170,000 | 70.0% |
| HIGHTECHLENDING INC | 18 | 6.500% | $435,000 | 4.2% |
| General Mortgage Capital Corporation | 18 | 6.375% | $610,000 | 0.0% |
| FRANKLIN LOAN CORPORATION | 18 | 6.563% | $1,160,000 | 5.3% |
| FUNDLOANS CAPITAL | 17 | 7.375% | $885,000 | 10.5% |
| Prosperity Home Mortgage, LLC | 17 | 6.125% | $785,000 | 19.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 5.995% | $660,000 | 51.1% |
| OriginPoint, LLC | 16 | 6.025% | $815,000 | 5.9% |
| City National Bank | 16 | 5.350% | $1,150,000 | 37.0% |
| Sierra Pacific Mortgage Company, Inc. | 16 | 6.500% | $600,000 | 24.0% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.563% | $460,000 | 39.3% |
| MORIA DEVELOPMENT, INC. | 16 | 6.250% | $595,000 | 0.0% |
| AMWEST FUNDING CORP. | 16 | 5.750% | $695,000 | 0.0% |
| NQM FUNDING, LLC | 16 | 7.312% | $955,000 | 22.7% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 16 | 5.901% | $1,840,000 | 15.8% |
| USALLIANCE FEDERAL CREDIT UNION | 16 | 7.750% | $465,000 | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 16 | 6.370% | $665,000 | 5.9% |
| JMJ FINANCIAL GROUP | 16 | 6.375% | $640,000 | 0.0% |
| STG MORTGAGE INC | 15 | 6.625% | $1,115,000 | 13.6% |
| SCHOOLSFIRST | 15 | 5.625% | $585,000 | 11.8% |
| QUORUM FEDERAL CREDIT UNION | 15 | 8.000% | $405,000 | 26.1% |
| NATIONWIDE EQUITIES CORPORATION | 15 | 8.980% | $755,000 | 11.8% |
| NEW WAVE LENDING GROUP INC | 14 | 6.938% | $590,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 14 | 7.250% | $650,000 | 51.7% |
| LADERA LENDING, INC. | 13 | 7.500% | $205,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.125% | $695,000 | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 13 | 5.990% | $685,000 | 23.5% |
| T. J. FINANCIAL, INC. | 13 | 6.000% | $685,000 | 0.0% |
| Northpointe Bank | 13 | 6.375% | $605,000 | 7.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 5.990% | $755,000 | 5.6% |
| LUXURY MORTGAGE CORP. | 13 | 6.625% | $1,285,000 | 0.0% |
| MISSION LOANS, LLC | 12 | 8.063% | $180,000 | 13.3% |
| UNION HOME MORTGAGE CORP. | 12 | 5.625% | $645,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 12 | 6.250% | $640,000 | 6.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 12 | 5.938% | $520,000 | 7.7% |
| AAA CAPITAL INVESTMENT, INC. | 12 | 6.563% | $450,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 12 | 5.750% | $640,000 | 0.0% |
| HomeTrust Bank | 12 | 8.000% | $505,000 | 14.3% |
| Genesis Capital, LLC | 12 | 8.750% | $2,365,000 | 7.7% |
| KINECTA | 12 | 6.990% | $365,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 11 | 7.125% | $775,000 | 69.4% |
| ARC HOME LLC | 11 | 7.000% | $635,000 | 31.3% |
| ONY GLO, INC. | 11 | 6.500% | $715,000 | 56.0% |
| First-Citizens Bank & Trust Company | 11 | 6.600% | $405,000 | 50.0% |
| NBKC BANK | 11 | 6.000% | $745,000 | 33.3% |
| FOUNDATION MORTGAGE CORPORATION | 11 | 8.000% | $625,000 | 12.5% |
| Logan Finance Corporation | 11 | 6.999% | $1,115,000 | 15.4% |
| CAKE MORTGAGE CORP. | 11 | 6.625% | $975,000 | 15.4% |
| PACIFIC LENDING LLC | 11 | 6.250% | $545,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 5.750% | $705,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 11 | 5.650% | $755,000 | 14.3% |
| CORNERSTONE CAPITAL BANK, SSB | 11 | 6.625% | $685,000 | 0.0% |
| Financial Partners Credit Union | 11 | 7.250% | $255,000 | 7.7% |
| T2 FINANCIAL LLC | 11 | 6.000% | $745,000 | 8.3% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 6.813% | $815,000 | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 10 | 6.563% | $740,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 5.875% | $660,000 | 9.1% |
| SOUTH RIVER MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERITRUST MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CLEARPATH LENDING | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Truist Bank | 9 | Under 10 loans | Under 10 loans | 40.0% |
| UBS Bank USA | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LENDSURE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| THE GOLDEN 1 | 9 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 37.5% |
| Banner Bank | 8 | Under 10 loans | Under 10 loans | 52.4% |
| FlexPoint, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 11.8% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SOUTHLAND CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Mechanics Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| V.I.P. MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Umpqua Bank | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Cathay Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| ENNKAR, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NuVision Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Watermark Capital, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Pacific Premier Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 42.9% |
| Farmers Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 27.3% |
| California Coast Credit Union | 6 | Under 10 loans | Under 10 loans | 22.2% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Fremont Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SAN DIEGO FUNDING | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 6 | Under 10 loans | Under 10 loans | 30.0% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ML Mortgage Corp. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NETWORK CAPITAL FUNDING CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| 9845005BP6974AE5D838 | 5 | Under 10 loans | Under 10 loans | 40.0% |
| AHL FUNDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Greenbox Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| COREVEST AMERICAN FINANCE LENDER LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TECHNOLOGY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CALCON MUTUAL MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 280 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for San Diego County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.