Mortgage lending in San Joaquin County, California
Lenders in San Joaquin County, California reported 24,865 mortgage applications for 2025, according to the CFPB.
24,865 mortgage applications and 13,662 loans originated in 2025; the denial rate was 23.5% of 19,254 applications decided. The median loan was about $395,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Stockton-Lodi, CA MSA.
- 24,865
- Applications
- 13,662
- Loans originated
- 23.5%
- Denial rate
- 4,534 denied of 19,254 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 24,865 | 13,662 |
| 2024 | 23,897 | 13,044 |
| 2023 | 20,210 | 10,509 |
| 2022 | 35,258 | 18,856 |
| 2021 | 68,995 | 43,409 |
| 2020 | 62,481 | 38,665 |
| 2019 | 42,478 | 25,071 |
| 2018 | 34,291 | 19,017 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 1,686 | 2,345 |
| Rocket Mortgage | 1,145 | 1,612 |
| Lennar Mortgage, LLC | 727 | 996 |
| loanDepot.com LLC | 544 | 821 |
| The Loan Store, Inc | 302 | 432 |
| Pennymac Loan Services LLC | 275 | 507 |
| US Bank, N.A. | 258 | 587 |
| The Golden 1 Credit Union | 242 | 537 |
| Bank of America NA | 225 | 692 |
| Crosscountry Mortgage, LLC | 215 | 367 |
| Guaranteed Rate, Inc. | 204 | 419 |
| Spring Eq, LLC | 189 | 575 |
| KBHS Home Loans, LLC | 176 | 266 |
| Kind Lending, LLC | 173 | 279 |
| Nationstar Mortgage | 164 | 257 |
| Pulte Mortgage LLC | 163 | 259 |
| BMO Harris Bank NA | 160 | 403 |
| Homeamerican Mortgage Corporation | 156 | 182 |
| Paramount Residential Mortgage | 150 | 205 |
| DHI Mortgage Company, LTD. | 142 | 173 |
| JPMorgan Chase Bank, NA | 141 | 274 |
| Summit Funding.inc | 137 | 178 |
| Figure Lending LLC | 136 | 311 |
| Valley Strong Credit Union | 134 | 237 |
| American Pacific Mortgage Corporation | 130 | 173 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 268 | 33.2% of 214 decided |
| Asian | 7,257 | 21.1% of 5,561 decided |
| Black or African American | 1,279 | 29.6% of 976 decided |
| Native Hawaiian or Other Pacific Islander | 176 | 25.6% of 125 decided |
| White | 8,425 | 22.0% of 6,795 decided |
| 2 or more minority races | 141 | 29.4% of 109 decided |
| Joint | 596 | 17.6% of 478 decided |
| Free Form Text Only | 29 | no rate: base under 50 |
| Race Not Available | 6,694 | 27.2% of 4,978 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 5,931 | 25.9% of 4,680 decided |
| Not Hispanic or Latino | 12,955 | 21.7% of 10,120 decided |
| Joint | 901 | 16.5% of 734 decided |
| Ethnicity Not Available | 5,065 | 27.1% of 3,711 decided |
| Free Form Text Only | 13 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 9,832 | 24.9% of 7,625 decided |
| Female | 4,816 | 26.1% of 3,788 decided |
| Joint | 7,884 | 18.4% of 6,251 decided |
| Sex Not Available | 2,333 | 31.0% of 1,590 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. 81 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