Mortgage lending in San Bernardino County, California
Lenders in San Bernardino County, California reported 66,667 mortgage applications for 2025, according to the CFPB.
66,667 mortgage applications and 35,751 loans originated in 2025; the denial rate was 24.3% of 51,638 applications decided. The median loan was about $355,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Riverside-San Bernardino-Ontario, CA MSA.
- 66,667
- Applications
- 35,751
- Loans originated
- 24.3%
- Denial rate
- 12,564 denied of 51,638 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 66,667 | 35,751 |
| 2024 | 64,129 | 33,647 |
| 2023 | 57,682 | 29,617 |
| 2022 | 94,505 | 51,223 |
| 2021 | 181,661 | 113,161 |
| 2020 | 169,456 | 104,495 |
| 2019 | 109,582 | 64,292 |
| 2018 | 90,515 | 49,985 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 4,126 | 5,863 |
| Rocket Mortgage | 2,802 | 3,973 |
| Schoolsfirst Fcu | 1,725 | 2,402 |
| Ocmbc, Inc. | 1,192 | 1,888 |
| loanDepot.com LLC | 866 | 1,326 |
| Lennar Mortgage, LLC | 763 | 996 |
| US Bank, N.A. | 673 | 1,704 |
| Bank of America NA | 667 | 1,905 |
| Paramount Residential Mortgage | 650 | 965 |
| Pennymac Loan Services LLC | 634 | 1,256 |
| JPMorgan Chase Bank, NA | 510 | 868 |
| The Loan Store, Inc | 491 | 787 |
| ML Mortgage Corp. | 478 | 674 |
| Spring Eq, LLC | 474 | 1,512 |
| Navy Federal Credit Union | 433 | 1,088 |
| Arrowhead Central Credit Union | 412 | 1,073 |
| Nationstar Mortgage | 409 | 680 |
| Newrez LLC | 405 | 1,351 |
| Guaranteed Rate, Inc. | 402 | 792 |
| Crosscountry Mortgage, LLC | 402 | 704 |
| New American Funding, LLC. | 391 | 1,057 |
| East West Bank | 346 | 436 |
| Freedom Mortgage Corporation | 334 | 1,020 |
| Figure Lending LLC | 322 | 711 |
| Kind Lending, LLC | 283 | 479 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 921 | 30.2% of 692 decided |
| Asian | 6,701 | 21.1% of 5,246 decided |
| Black or African American | 3,592 | 30.7% of 2,706 decided |
| Native Hawaiian or Other Pacific Islander | 251 | 33.3% of 192 decided |
| White | 33,728 | 22.1% of 26,839 decided |
| 2 or more minority races | 195 | 37.0% of 138 decided |
| Joint | 1,511 | 18.9% of 1,226 decided |
| Free Form Text Only | 47 | no rate: base under 50 |
| Race Not Available | 19,721 | 28.2% of 14,569 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 23,775 | 26.0% of 18,696 decided |
| Not Hispanic or Latino | 24,912 | 22.4% of 19,541 decided |
| Joint | 2,749 | 19.2% of 2,168 decided |
| Ethnicity Not Available | 15,191 | 26.0% of 11,196 decided |
| Free Form Text Only | 40 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 23,809 | 26.0% of 18,403 decided |
| Female | 14,549 | 26.2% of 11,400 decided |
| Joint | 21,166 | 19.4% of 16,909 decided |
| Sex Not Available | 7,143 | 30.6% of 4,926 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 134 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved