Mortgage lenders in Placer County
11,189 mortgages were made in Placer County, California, in 2025, by 480 lenders. The median rate their borrowers got was 6.625% on a median loan of $425,000. Of 14,656 decisions, 2,745 were denials — 18.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,552 | 6.499% | $495,000 | 10.8% |
| Rocket Mortgage, LLC | 773 | 6.750% | $385,000 | 15.7% |
| THE GOLDEN 1 | 512 | 7.875% | $105,000 | 33.9% |
| THE LOAN STORE, INC. | 392 | 6.625% | $455,000 | 6.9% |
| SAFE Credit Union | 363 | 5.875% | $205,000 | 8.1% |
| PENNYMAC LOAN SERVICES, LLC | 305 | 6.375% | $505,000 | 13.6% |
| U.S. Bank National Association | 293 | 6.990% | $425,000 | 37.8% |
| Bank of America, National Association | 240 | 6.125% | $170,000 | 43.0% |
| Loandepot.Com, LLC | 232 | 6.375% | $455,000 | 16.7% |
| SCHOOLSFIRST | 199 | 5.990% | $105,000 | 8.1% |
| LENNAR MORTGAGE, LLC | 194 | 4.990% | $445,000 | 6.3% |
| GUILD MORTGAGE COMPANY | 176 | 6.625% | $475,000 | 2.5% |
| DHI MORTGAGE COMPANY, LTD. | 175 | 5.375% | $465,000 | 10.6% |
| SPRING EQ, LLC | 161 | 8.925% | $105,000 | 53.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 158 | 6.875% | $480,000 | 5.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 146 | 6.625% | $585,000 | 6.3% |
| KIND LENDING, LLC | 140 | 6.563% | $475,000 | 22.3% |
| HOMEAMERICAN MORTGAGE CORPORATION | 134 | 5.188% | $575,000 | 2.2% |
| NEWREZ LLC | 131 | 6.500% | $495,000 | 17.8% |
| Paramount Residential Mortgage Group, Inc. | 130 | 6.125% | $555,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 126 | 6.375% | $525,000 | 12.8% |
| NATIONSTAR MORTGAGE LLC | 114 | 8.500% | $105,000 | 19.6% |
| FIGURE LENDING LLC | 97 | 9.100% | $75,000 | 21.7% |
| CMG MORTGAGE, INC. | 94 | 6.625% | $520,000 | 3.5% |
| Wells Fargo Bank, National Association | 92 | 6.250% | $465,000 | 13.2% |
| Broker Solutions, Inc. | 83 | 6.990% | $485,000 | 14.9% |
| 254900YZ174H294JW398 | 82 | 5.500% | $575,000 | 2.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 6.250% | $515,000 | 8.1% |
| CLM MORTGAGE, INC. | 77 | 6.125% | $625,000 | 0.0% |
| Patelco Credit Union | 76 | 8.000% | $135,000 | 17.4% |
| PULTE MORTGAGE LLC | 68 | 6.125% | $670,000 | 15.0% |
| Coastal Community Bank | 67 | 9.240% | $95,000 | 3.3% |
| GUARANTEED RATE, INC. | 64 | 6.588% | $490,000 | 7.9% |
| Tri Counties Bank | 63 | 5.990% | $255,000 | 25.6% |
| FREEDOM MORTGAGE CORPORATION | 62 | 5.750% | $560,000 | 18.8% |
| Third Federal Savings and Loan Association of Cleveland | 62 | 6.990% | $130,000 | 40.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 60 | 10.225% | $200,000 | 6.1% |
| Navy Federal Credit Union | 59 | 8.500% | $145,000 | 32.6% |
| KBHS HOME LOANS, LLC | 56 | 6.000% | $430,000 | 6.7% |
| Fairway Independent Mortgage Corporation | 54 | 6.625% | $445,000 | 3.5% |
| BETTER MORTGAGE CORPORATION | 49 | 7.125% | $445,000 | 35.9% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 49 | 7.125% | $185,000 | 16.2% |
| ALLIANT CREDIT UNION | 47 | 7.750% | $155,000 | 27.3% |
| INSPIRE HOME LOANS INC. | 46 | 6.000% | $490,000 | 1.9% |
| JMAC LENDING, INC. | 46 | 6.250% | $535,000 | 0.0% |
| PNC Bank, National Association | 45 | 7.990% | $195,000 | 33.3% |
| BMO Bank National Association | 44 | 8.455% | $230,000 | 53.2% |
| Sierra Pacific Mortgage Company, Inc. | 43 | 6.625% | $455,000 | 10.2% |
| MOVEMENT MORTGAGE, LLC | 43 | 6.625% | $515,000 | 0.0% |
| Mortgage Research Center, LLC | 39 | 6.125% | $615,000 | 32.8% |
| Firefighters First Federal Credit Union | 39 | 8.000% | $205,000 | 2.5% |
| OCMBC, INC. | 38 | 6.999% | $465,000 | 12.0% |
| AMWEST FUNDING CORP. | 38 | 6.875% | $455,000 | 11.6% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 38 | 6.625% | $460,000 | 7.3% |
| LAKEVIEW LOAN SERVICING, LLC | 37 | 6.125% | $415,000 | 59.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 37 | 8.490% | $125,000 | 30.2% |
| Umpqua Bank | 37 | 8.250% | $275,000 | 23.5% |
| SACRAMENTO Credit Union | 37 | 6.990% | $105,000 | 20.0% |
| Morgan Stanley Private Bank, National Association | 37 | 5.650% | $1,005,000 | 5.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 35 | 6.500% | $345,000 | 7.1% |
| Taylor Morrison Home Funding, Inc. | 34 | 6.188% | $395,000 | 19.1% |
| PLAZA HOME MORTGAGE, INC. | 34 | 6.500% | $570,000 | 27.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 33 | 6.375% | $515,000 | 13.2% |
| NEXERA HOLDING LLC | 33 | 7.250% | $445,000 | 13.2% |
| Kiavi Funding, Inc. | 32 | 8.975% | $380,000 | 10.8% |
| NexBank | 32 | 6.438% | $530,000 | 3.0% |
| SCENIC OAKS FUNDING, LLC | 31 | 6.490% | $465,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 31 | 7.375% | $465,000 | 0.0% |
| Charles Schwab Bank, SSB | 30 | 5.375% | $1,025,000 | 3.2% |
| Sunflower Bank, National Association | 29 | 6.625% | $625,000 | 3.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 28 | 6.625% | $520,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 28 | 7.625% | $185,000 | 29.3% |
| ALAMEDA MORTGAGE CORPORATION | 28 | 6.688% | $490,000 | 0.0% |
| Citibank, National Association | 27 | 6.125% | $1,030,000 | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 27 | 6.500% | $285,000 | 15.2% |
| Banner Bank | 26 | 7.688% | $640,000 | 44.7% |
| RESICENTRAL, LLC | 26 | 6.490% | $525,000 | 3.6% |
| AmeriSave Mortgage Corporation | 25 | 8.250% | $95,000 | 69.5% |
| TRIAD FINANCIAL SERVICES, INC. | 25 | 8.780% | $115,000 | 24.1% |
| CHAMPIONS FUNDING, LLC | 25 | 8.375% | $475,000 | 24.2% |
| CANOPY MORTGAGE, LLC | 25 | 6.875% | $455,000 | 7.4% |
| UNIVERSAL LENDING CORPORATION | 24 | 6.558% | $695,000 | 20.0% |
| PACIFIC SERVICE CREDIT UNION | 23 | 7.500% | $105,000 | 16.1% |
| FIRST COLONY MORTGAGE CORPORATION | 23 | 6.500% | $565,000 | 12.1% |
| FIRST U.S. COMMUNITY CREDIT UNION | 23 | Not published | $105,000 | 16.7% |
| STAR ONE Credit Union | 23 | 6.750% | $225,000 | 6.9% |
| QUORUM FEDERAL CREDIT UNION | 22 | 8.563% | $120,000 | 31.7% |
| Flagstar Bank, N.A. | 22 | 6.438% | $465,000 | 34.3% |
| SUMMIT FUNDING, INC. | 22 | 6.875% | $420,000 | 0.0% |
| Citadel Servicing Corporation | 22 | 7.188% | $635,000 | 0.0% |
| SIERRA CENTRAL CREDIT UNION | 21 | 7.625% | $105,000 | 38.2% |
| CALCON MUTUAL MORTGAGE LLC | 21 | 5.125% | $505,000 | 19.2% |
| General Mortgage Capital Corporation | 21 | 6.750% | $515,000 | 0.0% |
| Lendage, LLC | 20 | 10.500% | $85,000 | 22.2% |
| A&D Mortgage LLC | 20 | 6.375% | $540,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 20 | 6.313% | $510,000 | 4.2% |
| GTE Federal Credit Union | 20 | 8.125% | $105,000 | 13.0% |
| Peak Residential Lending Inc | 19 | 6.625% | $555,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 19 | 6.550% | $535,000 | 0.0% |
| REDWOOD | 19 | 8.000% | $155,000 | 17.4% |
| PLANET HOME LENDING, LLC | 19 | 5.875% | $495,000 | 9.5% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 18 | 6.188% | $545,000 | 32.1% |
| GoodLeap, LLC | 18 | 8.100% | $145,000 | 13.8% |
| HOMEXPRESS MORTGAGE CORP. | 18 | 7.438% | $515,000 | 40.0% |
| Synergy One Lending, Inc. | 18 | 6.875% | $475,000 | 5.3% |
| CHURCHILL MORTGAGE CORPORATION | 18 | 6.813% | $495,000 | 5.3% |
| Fremont Bank | 17 | 7.250% | $165,000 | 43.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 17 | 6.125% | $565,000 | 11.5% |
| Valon Mortgage, Inc. | 17 | 8.700% | $65,000 | 12.5% |
| Ameris Bank | 17 | 6.250% | $605,000 | 5.3% |
| ZILLOW HOME LOANS, LLC | 17 | 6.125% | $495,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.313% | $305,000 | 53.3% |
| STG MORTGAGE INC | 16 | 6.750% | $490,000 | 5.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 16 | 7.312% | $345,000 | 23.8% |
| Discover Bank | 15 | 8.210% | $65,000 | 75.4% |
| BAY EQUITY LLC | 15 | 6.875% | $485,000 | 0.0% |
| OriginPoint, LLC | 15 | 6.490% | $655,000 | 6.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 15 | 6.750% | $455,000 | 6.3% |
| Equity Prime Mortgage LLC | 14 | 6.063% | $570,000 | 22.2% |
| EVERETT FINANCIAL, INC. | 14 | 6.875% | $330,000 | 11.8% |
| Bethpage Federal Credit Union | 14 | 6.990% | $105,000 | 44.0% |
| DEEPHAVEN MORTGAGE LLC | 14 | 7.688% | $370,000 | 40.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 6.750% | $560,000 | 20.0% |
| TRAVIS CREDIT UNION | 14 | 7.240% | $140,000 | 21.1% |
| ENVOY MORTGAGE, LTD | 14 | 6.563% | $505,000 | 0.0% |
| NMSI, INC. | 14 | 6.563% | $490,000 | 0.0% |
| USAA Federal Savings Bank | 13 | 6.500% | $455,000 | 35.0% |
| El Dorado Savings Bank, F.S.B. | 13 | Not published | $205,000 | 26.3% |
| HIGHTECHLENDING INC | 13 | 6.125% | $305,000 | 0.0% |
| UBS Bank USA | 13 | 6.125% | $735,000 | 13.3% |
| GOOGAIN, INC. | 13 | 6.375% | $425,000 | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 13 | 6.490% | $545,000 | 0.0% |
| 21st Mortgage Corporation | 12 | 10.485% | $105,000 | 70.0% |
| First Bank | 12 | 8.250% | $310,000 | 29.4% |
| CLEAREDGE LENDING LLC | 12 | 6.937% | $1,125,000 | 20.0% |
| ROYAL PACIFIC FUNDING CORP. | 12 | 5.750% | $520,000 | 7.1% |
| STANFORD Federal Credit Union | 12 | 7.500% | $285,000 | 14.3% |
| Plains Commerce Bank | 12 | 6.688% | $610,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 12 | 6.375% | $310,000 | 7.1% |
| PHH Mortgage Corporation | 11 | 5.750% | $265,000 | 15.4% |
| LENDSURE MORTGAGE CORP. | 11 | 7.625% | $735,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 11 | 6.490% | $475,000 | 0.0% |
| Shea Mortgage Inc. | 11 | 6.625% | $355,000 | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 10 | 8.188% | $265,000 | 28.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.875% | $475,000 | 9.1% |
| Stifel Bank and Trust | 10 | 6.250% | $330,000 | 0.0% |
| VISTA POINT MORTGAGE, LLC | 10 | 8.500% | $255,000 | 8.3% |
| HERITAGE COMMUNITY CREDIT UNION | 10 | 7.270% | $110,000 | 9.1% |
| Goldman Sachs Bank USA | 10 | 5.400% | $2,005,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Zions Bancorporation, N.A. | 9 | Under 10 loans | Under 10 loans | 26.3% |
| First-Citizens Bank & Trust Company | 9 | Under 10 loans | Under 10 loans | 28.6% |
| Mechanics Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| KEYPOINT Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 8 | Under 10 loans | Under 10 loans | 43.8% |
| GO MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 15.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Ukrainian Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 10.0% |
| MORTGAGEONE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| ONY GLO, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Boeing Employees Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CONVENTUS LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Provident Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Bank of Marin | 7 | Under 10 loans | Under 10 loans | 20.0% |
| MORIA DEVELOPMENT, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 26.3% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NEW WAVE LENDING GROUP INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CAKE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 65.2% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 73.7% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 18.2% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 40.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUCCESS LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NuVision Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN HERITAGE LENDING, LLC | 5 | 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 280 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
Bank branches in Placer County
69 FDIC-insured branches from 26 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 431 Roseville Sq, Roseville
- First Foundation Bank, 2233 Douglas Blvd, Ste 300, Roseville
- First Foundation Bank, 649 Lincoln Way, Auburn
Get told when this changes
When the next year’s lending figures are out for Placer County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.