Home purchase lenders in Placer County
5,714 home purchase mortgages were made in Placer County, California, in 2025, by 353 lenders. The median rate their borrowers got was 6.375% on a median loan of $525,000. Of 6,460 decisions, 532 were denials — 8.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 861 | 6.500% | $515,000 | 5.9% |
| Rocket Mortgage, LLC | 308 | 6.625% | $515,000 | 9.5% |
| THE LOAN STORE, INC. | 271 | 6.500% | $505,000 | 1.7% |
| LENNAR MORTGAGE, LLC | 194 | 4.990% | $445,000 | 6.3% |
| PENNYMAC LOAN SERVICES, LLC | 192 | 6.358% | $525,000 | 10.3% |
| DHI MORTGAGE COMPANY, LTD. | 175 | 5.375% | $465,000 | 10.6% |
| SAFE Credit Union | 160 | 6.000% | $555,000 | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 134 | 5.188% | $575,000 | 2.2% |
| Loandepot.Com, LLC | 130 | 5.933% | $600,000 | 7.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 128 | 6.750% | $500,000 | 3.7% |
| U.S. Bank National Association | 127 | 6.250% | $705,000 | 17.5% |
| GUILD MORTGAGE COMPANY | 121 | 6.625% | $505,000 | 0.7% |
| Paramount Residential Mortgage Group, Inc. | 119 | 6.125% | $555,000 | 0.0% |
| KIND LENDING, LLC | 105 | 6.250% | $505,000 | 17.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 100 | 6.625% | $595,000 | 5.6% |
| 254900YZ174H294JW398 | 82 | 5.500% | $575,000 | 2.0% |
| CLM MORTGAGE, INC. | 76 | 6.125% | $625,000 | 0.0% |
| PULTE MORTGAGE LLC | 68 | 6.125% | $670,000 | 15.0% |
| JPMorgan Chase Bank, National Association | 65 | 6.250% | $645,000 | 10.7% |
| NEWREZ LLC | 62 | 6.375% | $550,000 | 7.1% |
| CMG MORTGAGE, INC. | 62 | 6.625% | $520,000 | 1.4% |
| Wells Fargo Bank, National Association | 61 | 6.125% | $595,000 | 12.9% |
| THE GOLDEN 1 | 57 | 6.375% | $455,000 | 12.1% |
| KBHS HOME LOANS, LLC | 56 | 6.000% | $430,000 | 6.7% |
| Broker Solutions, Inc. | 53 | 6.625% | $545,000 | 1.8% |
| Bank of America, National Association | 49 | 6.125% | $685,000 | 17.0% |
| INSPIRE HOME LOANS INC. | 45 | 6.000% | $495,000 | 2.0% |
| Fairway Independent Mortgage Corporation | 45 | 6.625% | $445,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 43 | 6.375% | $485,000 | 10.0% |
| GUARANTEED RATE, INC. | 42 | 6.500% | $555,000 | 0.0% |
| JMAC LENDING, INC. | 36 | 6.313% | $565,000 | 0.0% |
| Taylor Morrison Home Funding, Inc. | 34 | 6.188% | $395,000 | 19.1% |
| Mortgage Research Center, LLC | 34 | 6.125% | $615,000 | 10.5% |
| Sierra Pacific Mortgage Company, Inc. | 34 | 6.625% | $520,000 | 10.5% |
| MOVEMENT MORTGAGE, LLC | 32 | 6.625% | $510,000 | 0.0% |
| Kiavi Funding, Inc. | 30 | 9.125% | $380,000 | 8.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 29 | 6.375% | $515,000 | 9.4% |
| SCENIC OAKS FUNDING, LLC | 27 | 6.375% | $475,000 | 0.0% |
| Sunflower Bank, National Association | 27 | 6.625% | $605,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 27 | 6.625% | $455,000 | 3.6% |
| TRIAD FINANCIAL SERVICES, INC. | 25 | 8.780% | $115,000 | 24.1% |
| OCMBC, INC. | 25 | 6.999% | $465,000 | 12.1% |
| ALAMEDA MORTGAGE CORPORATION | 25 | 6.750% | $485,000 | 0.0% |
| UNIVERSAL LENDING CORPORATION | 24 | 6.558% | $695,000 | 20.0% |
| BETTER MORTGAGE CORPORATION | 24 | 6.750% | $545,000 | 7.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 24 | 6.625% | $550,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 24 | 6.433% | $625,000 | 25.0% |
| CANOPY MORTGAGE, LLC | 24 | 6.875% | $455,000 | 4.0% |
| ALLIANT CREDIT UNION | 22 | 7.750% | $255,000 | 4.4% |
| CALCON MUTUAL MORTGAGE LLC | 21 | 5.125% | $505,000 | 19.2% |
| Commerce Home Mortgage, Inc. | 20 | 7.183% | $435,000 | 0.0% |
| NEXERA HOLDING LLC | 19 | 6.875% | $545,000 | 5.0% |
| RESICENTRAL, LLC | 19 | 6.490% | $525,000 | 5.0% |
| Morgan Stanley Private Bank, National Association | 19 | 5.650% | $1,065,000 | 5.0% |
| NexBank | 19 | 6.500% | $865,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 18 | 6.375% | $545,000 | 12.5% |
| SCHOOLSFIRST | 18 | 6.000% | $440,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 17 | 5.250% | $475,000 | 19.1% |
| AMWEST FUNDING CORP. | 17 | 6.750% | $555,000 | 5.6% |
| CHAMPIONS FUNDING, LLC | 17 | 8.375% | $475,000 | 19.1% |
| SUMMIT FUNDING, INC. | 17 | 6.500% | $485,000 | 0.0% |
| Peak Residential Lending Inc | 16 | 6.625% | $610,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 16 | 6.813% | $480,000 | 5.9% |
| Citibank, National Association | 16 | 6.063% | $1,245,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 16 | 6.250% | $500,000 | 0.0% |
| Charles Schwab Bank, SSB | 16 | 5.375% | $950,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 15 | 6.250% | $485,000 | 6.3% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 14 | 5.990% | $545,000 | 31.8% |
| Navy Federal Credit Union | 13 | 6.000% | $585,000 | 0.0% |
| Flagstar Bank, N.A. | 13 | 5.750% | $485,000 | 40.9% |
| Banner Bank | 13 | 7.750% | $935,000 | 35.0% |
| Synergy One Lending, Inc. | 13 | 6.875% | $455,000 | 0.0% |
| BAY EQUITY LLC | 13 | 6.875% | $545,000 | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 13 | 6.490% | $545,000 | 0.0% |
| General Mortgage Capital Corporation | 13 | 6.750% | $545,000 | 0.0% |
| STG MORTGAGE INC | 12 | 6.750% | $475,000 | 7.1% |
| Citadel Servicing Corporation | 12 | 7.188% | $700,000 | 0.0% |
| Plains Commerce Bank | 12 | 6.688% | $610,000 | 0.0% |
| Umpqua Bank | 12 | 6.500% | $800,000 | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 6.613% | $585,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 12 | 6.563% | $505,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 12 | 6.125% | $500,000 | 0.0% |
| BMO Bank National Association | 11 | 5.625% | $1,235,000 | 45.0% |
| USAA Federal Savings Bank | 11 | 6.500% | $495,000 | 35.3% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.125% | $625,000 | 38.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 6.750% | $475,000 | 8.3% |
| Shea Mortgage Inc. | 11 | 6.625% | $355,000 | 0.0% |
| 21st Mortgage Corporation | 10 | 10.485% | $115,000 | 69.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.750% | $460,000 | 0.0% |
| A&D Mortgage LLC | 10 | 6.433% | $565,000 | 0.0% |
| Ameris Bank | 10 | 6.563% | $655,000 | 8.3% |
| CLEAREDGE LENDING LLC | 10 | 6.937% | $880,000 | 0.0% |
| NMSI, INC. | 10 | 6.688% | $520,000 | 0.0% |
| Tri Counties Bank | 9 | Under 10 loans | Under 10 loans | 8.3% |
| LENDSURE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MORTGAGEONE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Patelco Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Fremont Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 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% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GTE Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GOOGAIN, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ROYAL PACIFIC FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| El Dorado Savings Bank, F.S.B. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SACRAMENTO Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 45.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens National Bank of Texas | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LINKED HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ukrainian Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 549300YVM8B4UQC5DK40 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 2 | 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 153 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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. 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.