Mortgage lending in Stanislaus County, California
Lenders in Stanislaus County, California reported 14,269 mortgage applications for 2025, according to the CFPB.
14,269 mortgage applications and 7,872 loans originated in 2025; the denial rate was 24.4% of 11,208 applications decided. The median loan was about $335,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Modesto, CA MSA.
- 14,269
- Applications
- 7,872
- Loans originated
- 24.4%
- Denial rate
- 2,734 denied of 11,208 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 14,269 | 7,872 |
| 2024 | 13,340 | 7,280 |
| 2023 | 11,416 | 6,077 |
| 2022 | 19,497 | 10,919 |
| 2021 | 40,079 | 25,814 |
| 2020 | 39,539 | 25,377 |
| 2019 | 26,934 | 16,236 |
| 2018 | 22,502 | 12,949 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 931 | 1,303 |
| Rocket Mortgage | 746 | 1,044 |
| Crosscountry Mortgage, LLC | 319 | 485 |
| American Pacific Mortgage Corporation | 208 | 262 |
| Kind Lending, LLC | 205 | 301 |
| Guaranteed Rate, Inc. | 198 | 360 |
| Generations Home Loans, LLC | 196 | 246 |
| Guild Mortgage Company | 185 | 255 |
| The Golden 1 Credit Union | 177 | 366 |
| loanDepot.com LLC | 174 | 301 |
| KBHS Home Loans, LLC | 168 | 220 |
| The Loan Store, Inc | 157 | 221 |
| JPMorgan Chase Bank, NA | 147 | 224 |
| Bank of America NA | 145 | 412 |
| Spring Eq, LLC | 142 | 420 |
| Pennymac Loan Services LLC | 126 | 251 |
| Nationstar Mortgage | 124 | 197 |
| BMO Harris Bank NA | 121 | 313 |
| US Bank, N.A. | 108 | 297 |
| Synergy One Lending, Inc. | 97 | 127 |
| Paramount Residential Mortgage | 97 | 126 |
| Freedom Mortgage Corporation | 92 | 237 |
| DHI Mortgage Company, LTD. | 90 | 108 |
| Kiavi Funding, Inc. | 89 | 119 |
| Lennar Mortgage, LLC | 87 | 113 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 206 | 36.3% of 160 decided |
| Asian | 1,046 | 26.7% of 823 decided |
| Black or African American | 390 | 33.5% of 296 decided |
| Native Hawaiian or Other Pacific Islander | 125 | 35.6% of 101 decided |
| White | 7,882 | 21.8% of 6,336 decided |
| 2 or more minority races | 40 | no rate: base under 50 |
| Joint | 298 | 20.4% of 250 decided |
| Free Form Text Only | 40 | no rate: base under 50 |
| Race Not Available | 4,242 | 27.3% of 3,171 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 4,857 | 27.2% of 3,851 decided |
| Not Hispanic or Latino | 5,733 | 22.3% of 4,532 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,054 | 25.3% of 2,311 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,111 | 27.2% of 4,042 decided |
| Female | 3,052 | 25.0% of 2,412 decided |
| Joint | 4,581 | 19.7% of 3,687 decided |
| Sex Not Available | 1,525 | 29.0% of 1,067 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. 176 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