Top Mortgage Lenders in California (2025)
In 2025, 980 lenders made 569,477 home loans worth $340.2 billion in California, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 21.0% of them. United Wholesale Mortgage made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in California, 2025
Ranked by the number of home loans each lender made (originated) in California in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 57,281 | $30.9B | $539,000 | 10.1% | 14.5% |
| 2 | Bank of America NA Westlake Village, CA | 17,758 | $12.2B | $686,000 | 3.1% | 40.7% |
| 3 | US Bank, N.A. Cincinnati, OH | 16,135 | $12.5B | $776,000 | 2.8% | 38.3% |
| 4 | Schoolsfirst FCU Tustin, CA | 14,224 | $3.4B | $241,000 | 2.5% | 11.7% |
| 5 | JPMorgan Chase Bank, NA Columbus, OH | 14,032 | $18.7B | $1,335,000 | 2.5% | 13.0% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 10,749 | $6.2B | $579,000 | 1.9% | 18.6% |
| 7 | loanDepot.com LLC Irvine, CA | 9,983 | $4.1B | $408,000 | 1.8% | 23.4% |
| 8 | Wells Fargo Bank NA Minneapolis, MN | 9,616 | $15.2B | $1,580,000 | 1.7% | 15.1% |
| 9 | Crosscountry Mortgage, LLC Cleveland, OH | 9,599 | $6.4B | $663,000 | 1.7% | 5.1% |
| 10 | The Loan Store, Inc Tucson, AZ | 8,432 | $3.8B | $446,000 | 1.5% | 13.0% |
| 11 | Ocmbc, Inc. Irvine, CA | 7,327 | $3.8B | $518,000 | 1.3% | 7.4% |
| 12 | Spring Eq, LLC Conshohocken, PA | 6,742 | $949.2M | $141,000 | 1.2% | 60.3% |
| 13 | Lennar Mortgage, LLC Miami, FL | 6,607 | $3.5B | $536,000 | 1.2% | 9.0% |
| 14 | Kind Lending, LLC Irvine, CA | 6,409 | $2.8B | $431,000 | 1.1% | 26.9% |
| 15 | Navy Federal Credit Union Vienna, VA | 6,361 | $1.7B | $260,000 | 1.1% | 38.0% |
| 16 | Guaranteed Rate, Inc. Chicago, IL | 6,248 | $4.0B | $637,000 | 1.1% | 9.2% |
| 17 | The Golden 1 Credit Union Sacramento, CA | 6,107 | $2.3B | $377,000 | 1.1% | 37.7% |
| 18 | Citibank, NA New York, NY | 5,786 | $8.0B | $1,375,000 | 1.0% | 17.8% |
| 19 | Newrez LLC Fort Washington, PA | 5,772 | $2.7B | $474,000 | 1.0% | 35.8% |
| 20 | Figure Lending LLC San Francisco, CA | 5,234 | $608.9M | $116,000 | 0.9% | 27.5% |
| 21 | New American Funding, Llc. Tustin, CA | 5,105 | $2.5B | $492,000 | 0.9% | 15.3% |
| 22 | CMG Mortgage Inc San Ramon, IL | 4,727 | $3.2B | $670,000 | 0.8% | 6.1% |
| 23 | Nationstar Mortgage Coppell, TX | 4,657 | $1.1B | $241,000 | 0.8% | 25.0% |
| 24 | Amwest Funding Corp Brea, CA | 4,633 | $2.6B | $557,000 | 0.8% | 8.9% |
| 25 | Guild Mortgage Company San Diego, CA | 4,118 | $1.8B | $427,000 | 0.7% | 4.4% |
Top Home Purchase Lenders in California
866 lenders made 256,590 home purchase loans worth $182.0 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 29,853 | 11.6% |
| 2 | JPMorgan Chase Bank, NA Columbus, OH | 6,938 | 2.7% |
| 3 | Lennar Mortgage, LLC Miami, FL | 6,601 | 2.6% |
| 4 | Wells Fargo Bank NA Minneapolis, MN | 6,208 | 2.4% |
| 5 | Crosscountry Mortgage, LLC Cleveland, OH | 6,122 | 2.4% |
| 6 | US Bank, N.A. Cincinnati, OH | 5,692 | 2.2% |
| 7 | PennyMac Loan Services LLC Westlake Village, CA | 5,054 | 2.0% |
| 8 | Kind Lending, LLC Irvine, CA | 4,716 | 1.8% |
| 9 | The Loan Store, Inc Tucson, AZ | 4,711 | 1.8% |
| 10 | Bank of America NA Westlake Village, CA | 4,433 | 1.7% |
Top Refinance Lenders in California
739 lenders made 100,735 refinance loans worth $88.7 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 15,356 | 15.2% |
| 2 | Bank of America NA Westlake Village, CA | 5,124 | 5.1% |
| 3 | US Bank, N.A. Cincinnati, OH | 4,501 | 4.5% |
| 4 | JPMorgan Chase Bank, NA Columbus, OH | 3,394 | 3.4% |
| 5 | Citibank, NA New York, NY | 2,482 | 2.5% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 2,367 | 2.3% |
| 7 | Freedom Mortgage Corporation Boca Raton, FL | 2,164 | 2.1% |
| 8 | Wells Fargo Bank NA Minneapolis, MN | 2,163 | 2.1% |
| 9 | Crosscountry Mortgage, LLC Cleveland, OH | 1,609 | 1.6% |
| 10 | Finance of America Reverse LLC Tulsa, OK | 1,580 | 1.6% |
Top Cash-Out Refinance Lenders in California
613 lenders made 104,049 cash-out refinance loans worth $45.2 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 12,072 | 11.6% |
| 2 | Schoolsfirst FCU Tustin, CA | 4,071 | 3.9% |
| 3 | Amwest Funding Corp Brea, CA | 2,726 | 2.6% |
| 4 | Newrez LLC Fort Washington, PA | 2,340 | 2.2% |
| 5 | JPMorgan Chase Bank, NA Columbus, OH | 2,198 | 2.1% |
| 6 | loanDepot.com LLC Irvine, CA | 2,165 | 2.1% |
| 7 | Ocmbc, Inc. Irvine, CA | 2,032 | 2.0% |
| 8 | PennyMac Loan Services LLC Westlake Village, CA | 1,649 | 1.6% |
| 9 | US Bank, N.A. Cincinnati, OH | 1,589 | 1.5% |
| 10 | Amerisave Mortgage Company Sandy Springs, GA | 1,589 | 1.5% |
Top FHA Lenders in California
325 lenders made 60,996 FHA loans worth $30.4 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 10,850 | 17.8% |
| 2 | Ocmbc, Inc. Irvine, CA | 2,031 | 3.3% |
| 3 | Kind Lending, LLC Irvine, CA | 1,667 | 2.7% |
| 4 | loanDepot.com LLC Irvine, CA | 1,608 | 2.6% |
| 5 | PennyMac Loan Services LLC Westlake Village, CA | 1,585 | 2.6% |
| 6 | Freedom Mortgage Corporation Boca Raton, FL | 1,540 | 2.5% |
| 7 | Lennar Mortgage, LLC Miami, FL | 1,408 | 2.3% |
| 8 | DHI Mortgage Company, Ltd. Austin, TX | 1,319 | 2.2% |
| 9 | Crosscountry Mortgage, LLC Cleveland, OH | 1,174 | 1.9% |
| 10 | Paramount Residential Mortgage Corona, CA | 1,151 | 1.9% |
Top VA Lenders in California
289 lenders made 28,468 VA loans worth $17.6 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 6,589 | 23.1% |
| 2 | Mortgage Research Center Columbia, MO | 2,374 | 8.3% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 1,708 | 6.0% |
| 4 | PennyMac Loan Services LLC Westlake Village, CA | 1,076 | 3.8% |
| 5 | Newrez LLC Fort Washington, PA | 945 | 3.3% |
| 6 | Crosscountry Mortgage, LLC Cleveland, OH | 740 | 2.6% |
| 7 | Navy Federal Credit Union Vienna, VA | 739 | 2.6% |
| 8 | loanDepot.com LLC Irvine, CA | 690 | 2.4% |
| 9 | Lennar Mortgage, LLC Miami, FL | 497 | 1.7% |
| 10 | Guaranteed Rate, Inc. Chicago, IL | 408 | 1.4% |
Top USDA Lenders in California
59 lenders made 356 USDA loans worth $78.9 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | CMG Mortgage Inc San Ramon, IL | 115 | 32.3% |
| 2 | United Wholesale Mortgage Plymouth, MI | 30 | 8.4% |
| 3 | First Nations Home Finance Corporation San Diego, CA | 22 | 6.2% |
| 4 | Kind Lending, LLC Irvine, CA | 17 | 4.8% |
| 5 | Sierra Pacific Mortgage Co. Inc Folsom, CA | 16 | 4.5% |
| 6 | Equity Prime Mortgage LLC Atlanta, GA | 12 | 3.4% |
| 7 | Newrez LLC Fort Washington, PA | 12 | 3.4% |
| 8 | Primelending Dallas, TX | 9 | 2.5% |
| 9 | American Pacific Mortgage Corporation Roseville, CA | 9 | 2.5% |
| 10 | Crosscountry Mortgage, LLC Cleveland, OH | 9 | 2.5% |
Get the lender lists
The California mortgage lender list has the 1,533 lenders based in California, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($249 for 2025, $498 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
California lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in California.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in California. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on California
California mortgage data by county and metro area · mortgage lenders by city in California
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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