Refinancing lenders in San Mateo County
2,566 refinancing mortgages were made in San Mateo County, California, in 2025, by 269 lenders. The median rate their borrowers got was 6.000% on a median loan of $1,005,000. Of 3,071 decisions, 429 were denials — 14.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bank of America, National Association | 299 | 5.740% | $1,055,000 | 17.6% |
| U.S. Bank National Association | 194 | 5.875% | $1,135,000 | 3.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 176 | 6.124% | $815,000 | 13.7% |
| Citibank, National Association | 175 | 5.375% | $1,505,000 | 3.3% |
| Wells Fargo Bank, National Association | 173 | 5.625% | $1,415,000 | 8.0% |
| JPMorgan Chase Bank, National Association | 164 | 5.875% | $1,265,000 | 6.7% |
| Rocket Mortgage, LLC | 119 | 6.125% | $805,000 | 21.2% |
| BMO Bank National Association | 50 | 5.625% | $1,480,000 | 17.2% |
| PNC Bank, National Association | 44 | 5.875% | $710,000 | 20.0% |
| San Mateo Credit Union | 43 | 7.500% | $255,000 | 21.8% |
| FINANCE OF AMERICA REVERSE LLC | 41 | 9.475% | $775,000 | 0.0% |
| Patelco Credit Union | 40 | 8.000% | $205,000 | 28.1% |
| General Mortgage Capital Corporation | 40 | 6.438% | $785,000 | 2.4% |
| GUARANTEED RATE, INC. | 39 | 6.125% | $1,045,000 | 7.0% |
| GOOGAIN, INC. | 35 | 6.125% | $725,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 6.375% | $995,000 | 18.4% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 31 | 5.725% | $1,255,000 | 0.0% |
| Charles Schwab Bank, SSB | 31 | 5.250% | $1,365,000 | 0.0% |
| East West Bank | 30 | 6.500% | $890,000 | 6.3% |
| Fremont Bank | 29 | 8.250% | $255,000 | 39.6% |
| GUARANTEED RATE AFFINITY, LLC | 25 | 6.125% | $1,115,000 | 3.9% |
| City National Bank | 22 | 5.430% | $1,705,000 | 0.0% |
| STANFORD Federal Credit Union | 22 | 7.250% | $405,000 | 11.5% |
| THE GOLDEN 1 | 22 | 5.688% | $1,090,000 | 4.4% |
| Morgan Stanley Private Bank, National Association | 21 | 5.600% | $1,185,000 | 8.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.375% | $1,050,000 | 0.0% |
| Broker Solutions, Inc. | 19 | 6.500% | $975,000 | 9.5% |
| Citizens Bank, National Association | 17 | 5.750% | $1,205,000 | 10.5% |
| NexBank | 17 | 6.000% | $1,015,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.563% | $730,000 | 0.0% |
| Comerica Bank | 15 | 6.240% | $345,000 | 36.0% |
| Third Federal Savings and Loan Association of Cleveland | 15 | 6.990% | $275,000 | 30.4% |
| STAR ONE Credit Union | 14 | 5.875% | $1,010,000 | 26.1% |
| NEW WAVE LENDING GROUP INC | 14 | 6.813% | $800,000 | 6.7% |
| CONVENTUS LLC | 14 | 9.990% | $1,435,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 13 | 9.740% | $965,000 | 11.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.000% | $680,000 | 0.0% |
| Loandepot.Com, LLC | 12 | 6.250% | $975,000 | 20.0% |
| ALLIANT CREDIT UNION | 11 | 7.750% | $255,000 | 42.9% |
| TECHNOLOGY CREDIT UNION | 11 | 6.125% | $865,000 | 0.0% |
| OriginPoint, LLC | 10 | 6.188% | $940,000 | 9.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.813% | $485,000 | 0.0% |
| Ameris Bank | 10 | 5.990% | $670,000 | 0.0% |
| NEWREZ LLC | 9 | Under 10 loans | Under 10 loans | 37.5% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Provident Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 68.2% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 41.7% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH RIVER MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First-Citizens Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AAA CAPITAL INVESTMENT, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Zions Bancorporation, N.A. | 5 | Under 10 loans | Under 10 loans | 30.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Provident Savings Bank, F.S.B. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 56.5% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| COASTAL FUNDING SLC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CommonWealth Central Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gold Coast Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Forest Bank & Trust Company, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Commercial Bank (USA) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Orient | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 20.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Mechanics Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abundance 99, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, 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% |
| Bank of Marin | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBC Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 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% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FISHER FINANCIAL GROUP, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | 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 69 lenders each made 1 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.