Mortgage lenders in Sacramento County
28,763 mortgages were made in Sacramento County, California, in 2025, by 589 lenders. The median rate their borrowers got was 6.625% on a median loan of $365,000. Of 38,814 decisions, 8,117 were denials — 20.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 4,350 | 6.490% | $435,000 | 11.7% |
| Rocket Mortgage, LLC | 2,467 | 6.750% | $345,000 | 16.5% |
| THE GOLDEN 1 | 1,724 | 7.750% | $105,000 | 36.1% |
| THE LOAN STORE, INC. | 963 | 6.625% | $395,000 | 6.3% |
| LENNAR MORTGAGE, LLC | 838 | 4.990% | $495,000 | 8.6% |
| SCHOOLSFIRST | 763 | 6.740% | $105,000 | 14.5% |
| Loandepot.Com, LLC | 688 | 6.500% | $415,000 | 14.4% |
| GUILD MORTGAGE COMPANY | 659 | 6.625% | $385,000 | 3.1% |
| PENNYMAC LOAN SERVICES, LLC | 591 | 6.624% | $415,000 | 16.4% |
| U.S. Bank National Association | 525 | 6.875% | $365,000 | 39.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 499 | 6.625% | $415,000 | 5.7% |
| KIND LENDING, LLC | 493 | 6.500% | $385,000 | 24.1% |
| Bank of America, National Association | 478 | 6.240% | $155,000 | 52.7% |
| SAFE Credit Union | 456 | 5.490% | $85,000 | 11.5% |
| SPRING EQ, LLC | 416 | 9.238% | $85,000 | 55.6% |
| Taylor Morrison Home Funding, Inc. | 338 | 6.250% | $575,000 | 14.0% |
| NATIONSTAR MORTGAGE LLC | 337 | 8.625% | $95,000 | 17.1% |
| KBHS HOME LOANS, LLC | 331 | 6.250% | $525,000 | 7.5% |
| JPMorgan Chase Bank, National Association | 317 | 6.375% | $435,000 | 12.1% |
| NEWREZ LLC | 275 | 6.625% | $365,000 | 34.7% |
| Paramount Residential Mortgage Group, Inc. | 254 | 6.375% | $435,000 | 4.2% |
| FIGURE LENDING LLC | 245 | 8.800% | $65,000 | 22.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 244 | 6.490% | $440,000 | 5.3% |
| CMG MORTGAGE, INC. | 213 | 6.625% | $435,000 | 4.8% |
| FREEDOM MORTGAGE CORPORATION | 212 | 6.250% | $435,000 | 11.8% |
| Kiavi Funding, Inc. | 196 | 9.950% | $355,000 | 7.7% |
| Sierra Pacific Mortgage Company, Inc. | 188 | 6.625% | $415,000 | 6.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 180 | 6.250% | $475,000 | 7.9% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 175 | 4.750% | $525,000 | 7.4% |
| Wells Fargo Bank, National Association | 174 | 6.375% | $355,000 | 20.5% |
| Broker Solutions, Inc. | 168 | 6.990% | $355,000 | 18.4% |
| Patelco Credit Union | 164 | 8.000% | $105,000 | 14.6% |
| SACRAMENTO Credit Union | 161 | 6.990% | $95,000 | 28.7% |
| Navy Federal Credit Union | 149 | 7.950% | $155,000 | 34.0% |
| Coastal Community Bank | 147 | 10.490% | $55,000 | 2.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 146 | 10.190% | $125,000 | 18.9% |
| OCMBC, INC. | 145 | 6.999% | $365,000 | 11.8% |
| GUARANTEED RATE, INC. | 139 | 6.575% | $415,000 | 12.6% |
| Mortgage Research Center, LLC | 136 | 6.125% | $435,000 | 34.4% |
| AMWEST FUNDING CORP. | 130 | 7.000% | $345,000 | 9.7% |
| UNIVERSAL LENDING CORPORATION | 127 | 4.990% | $575,000 | 3.8% |
| CANOPY MORTGAGE, LLC | 118 | 6.625% | $455,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 117 | 6.500% | $415,000 | 2.2% |
| SUMMIT FUNDING, INC. | 116 | 6.625% | $410,000 | 2.5% |
| BMO Bank National Association | 102 | 8.293% | $355,000 | 46.7% |
| AmeriSave Mortgage Corporation | 101 | 8.750% | $65,000 | 66.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 100 | 7.000% | $220,000 | 20.3% |
| GUARANTEED RATE AFFINITY, LLC | 98 | 6.600% | $425,000 | 8.9% |
| ZILLOW HOME LOANS, LLC | 90 | 6.500% | $425,000 | 5.1% |
| LAKEVIEW LOAN SERVICING, LLC | 89 | 6.250% | $335,000 | 62.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 89 | 6.125% | $435,000 | 11.9% |
| General Mortgage Capital Corporation | 89 | 6.625% | $365,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 88 | 6.990% | $105,000 | 38.5% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 87 | 9.750% | $395,000 | 2.3% |
| BETTER MORTGAGE CORPORATION | 85 | 6.750% | $315,000 | 44.4% |
| GoodLeap, LLC | 82 | 7.675% | $85,000 | 24.3% |
| Fairway Independent Mortgage Corporation | 81 | 6.495% | $405,000 | 4.6% |
| Lendage, LLC | 79 | 11.000% | $65,000 | 9.2% |
| NMSI, INC. | 78 | 6.688% | $395,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 77 | 7.250% | $415,000 | 44.6% |
| ALLIANT CREDIT UNION | 76 | 8.250% | $155,000 | 25.5% |
| TRIAD FINANCIAL SERVICES, INC. | 75 | 8.790% | $125,000 | 31.3% |
| East West Bank | 75 | 6.125% | $365,000 | 15.4% |
| JMAC LENDING, INC. | 75 | 6.500% | $395,000 | 3.9% |
| El Dorado Savings Bank, F.S.B. | 74 | Not published | $180,000 | 11.4% |
| SCENIC OAKS FUNDING, LLC | 74 | 6.624% | $425,000 | 3.9% |
| HOMEAMERICAN MORTGAGE CORPORATION | 73 | 4.999% | $545,000 | 5.2% |
| RESICENTRAL, LLC | 71 | 6.490% | $425,000 | 3.9% |
| ALAMEDA MORTGAGE CORPORATION | 69 | 6.500% | $385,000 | 5.5% |
| UNION HOME MORTGAGE CORP. | 69 | 6.125% | $435,000 | 2.7% |
| 254900YZ174H294JW398 | 69 | 5.500% | $545,000 | 4.8% |
| PLAZA HOME MORTGAGE, INC. | 67 | 6.500% | $375,000 | 29.2% |
| TOLL BROTHERS MORTGAGE COMPANY | 65 | 6.490% | $445,000 | 8.8% |
| CLM MORTGAGE, INC. | 63 | 6.250% | $585,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 62 | 7.750% | $385,000 | 28.7% |
| FINANCE OF AMERICA REVERSE LLC | 61 | 6.375% | $215,000 | 8.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 59 | 6.375% | $315,000 | 24.4% |
| TRAVIS CREDIT UNION | 58 | 6.990% | $125,000 | 9.4% |
| NEXERA HOLDING LLC | 57 | 7.500% | $295,000 | 10.9% |
| LAND HOME FINANCIAL SERVICES, INC. | 57 | 6.875% | $405,000 | 1.5% |
| Discover Bank | 56 | 8.950% | $85,000 | 74.2% |
| PNC Bank, National Association | 56 | 7.990% | $195,000 | 44.8% |
| HERITAGE COMMUNITY CREDIT UNION | 54 | 7.250% | $105,000 | 15.6% |
| Peak Residential Lending Inc | 53 | 6.490% | $425,000 | 0.0% |
| Equity Prime Mortgage LLC | 52 | 6.250% | $395,000 | 20.9% |
| Commerce Home Mortgage, Inc. | 52 | 7.250% | $425,000 | 16.1% |
| PULTE MORTGAGE LLC | 51 | 5.500% | $625,000 | 12.1% |
| Tri Counties Bank | 50 | 6.608% | $265,000 | 42.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 49 | 6.375% | $355,000 | 2.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 49 | 6.500% | $445,000 | 12.3% |
| Hometown Equity Mortgage, LLC | 48 | 7.375% | $370,000 | 40.0% |
| Banner Bank | 47 | 8.240% | $105,000 | 44.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 47 | 6.375% | $435,000 | 12.9% |
| GOOGAIN, INC. | 47 | 6.500% | $405,000 | 4.1% |
| QUORUM FEDERAL CREDIT UNION | 46 | 8.625% | $105,000 | 33.3% |
| First-Citizens Bank & Trust Company | 46 | 6.125% | $365,000 | 9.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 45 | 6.500% | $315,000 | 61.3% |
| Fremont Bank | 45 | 8.250% | $205,000 | 37.2% |
| A&D Mortgage LLC | 45 | 6.490% | $455,000 | 13.2% |
| NEW WAVE LENDING GROUP INC | 45 | 6.875% | $375,000 | 0.0% |
| NexBank | 45 | 6.375% | $435,000 | 4.2% |
| 21st Mortgage Corporation | 43 | 10.610% | $105,000 | 68.6% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 42 | 6.624% | $360,000 | 14.3% |
| PHH Mortgage Corporation | 41 | 6.375% | $375,000 | 16.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 41 | 6.490% | $435,000 | 2.4% |
| NATIONS DIRECT MORTGAGE, LLC | 40 | 6.495% | $415,000 | 18.4% |
| PENTAGON FEDERAL CREDIT UNION | 39 | 7.750% | $155,000 | 53.6% |
| Umpqua Bank | 39 | 8.250% | $265,000 | 42.9% |
| PLANET HOME LENDING, LLC | 39 | 5.750% | $495,000 | 17.0% |
| EVERETT FINANCIAL, INC. | 38 | 6.688% | $370,000 | 11.4% |
| CONVENTUS LLC | 38 | 9.370% | $375,000 | 2.6% |
| USALLIANCE FEDERAL CREDIT UNION | 38 | 8.500% | $220,000 | 7.3% |
| PACIFIC SERVICE CREDIT UNION | 37 | 7.750% | $75,000 | 14.9% |
| 254900M2C4Q6DATP2889 | 36 | 6.250% | $375,000 | 25.0% |
| Ameris Bank | 36 | 6.125% | $460,000 | 2.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 34 | 5.990% | $460,000 | 27.4% |
| Valon Mortgage, Inc. | 34 | 8.425% | $75,000 | 10.0% |
| Constant Investments, Inc. | 34 | 6.750% | $455,000 | 0.0% |
| Citibank, National Association | 33 | 6.500% | $395,000 | 44.6% |
| DHI MORTGAGE COMPANY, LTD. | 33 | 4.990% | $405,000 | 10.8% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 33 | 7.750% | $155,000 | 25.0% |
| GO MORTGAGE, LLC | 33 | 6.625% | $435,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 32 | 5.995% | $460,000 | 18.0% |
| Plains Commerce Bank | 32 | 6.625% | $420,000 | 8.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 32 | 6.563% | $410,000 | 8.6% |
| Firefighters First Federal Credit Union | 32 | 7.750% | $205,000 | 8.6% |
| GUIDANCE RESIDENTIAL, LLC | 32 | 6.875% | $450,000 | 0.0% |
| Fidelity Lending Solutions, Inc. | 32 | 6.875% | $345,000 | 0.0% |
| Citadel Servicing Corporation | 31 | 7.375% | $385,000 | 2.1% |
| ROYAL PACIFIC FUNDING CORP. | 31 | 6.625% | $385,000 | 2.4% |
| STG MORTGAGE INC | 30 | 6.433% | $470,000 | 5.9% |
| GOLDEN EMPIRE MORTGAGE, INC. | 30 | 6.375% | $385,000 | 13.5% |
| Ukrainian Federal Credit Union | 30 | 6.750% | $305,000 | 6.1% |
| Click n' Close, Inc. | 29 | 6.500% | $405,000 | 12.1% |
| River City Bank | 28 | Not published | $105,000 | 11.4% |
| STAR ONE Credit Union | 27 | 6.000% | $365,000 | 29.2% |
| FlexPoint, Inc. | 27 | 6.625% | $395,000 | 0.0% |
| CAKE MORTGAGE CORP. | 27 | 7.750% | $365,000 | 6.7% |
| Flagstar Bank, N.A. | 26 | 6.500% | $455,000 | 48.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 26 | 6.495% | $480,000 | 17.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 26 | 6.375% | $405,000 | 3.7% |
| ENVOY MORTGAGE, LTD | 26 | 6.625% | $415,000 | 3.7% |
| FIRST COLONY MORTGAGE CORPORATION | 25 | 6.125% | $455,000 | 3.1% |
| FIRST U.S. COMMUNITY CREDIT UNION | 25 | Not published | $105,000 | 19.4% |
| Sunflower Bank, National Association | 25 | 6.625% | $435,000 | 3.9% |
| CHURCHILL MORTGAGE CORPORATION | 24 | 6.500% | $385,000 | 9.1% |
| GTE Federal Credit Union | 24 | 9.500% | $105,000 | 24.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 23 | 6.125% | $335,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 23 | 6.000% | $685,000 | 0.0% |
| MISSION LOANS, LLC | 22 | 8.500% | $120,000 | 13.8% |
| LONGBRIDGE FINANCIAL, LLC | 22 | 6.250% | $285,000 | 17.2% |
| AAA CAPITAL INVESTMENT, INC. | 22 | 6.625% | $375,000 | 6.7% |
| HIGHTECHLENDING INC | 22 | 6.188% | $195,000 | 0.0% |
| The Federal Savings Bank | 21 | 6.625% | $445,000 | 31.3% |
| Zions Bancorporation, N.A. | 21 | 6.375% | $575,000 | 29.8% |
| DEEPHAVEN MORTGAGE LLC | 21 | 7.990% | $245,000 | 48.8% |
| BAY EQUITY LLC | 21 | 6.750% | $385,000 | 4.6% |
| REDWOOD | 21 | 8.500% | $115,000 | 25.0% |
| Provident Credit Union | 21 | 6.500% | $155,000 | 0.0% |
| Easy Street Capital, LLC | 21 | 9.900% | $345,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 20 | 6.933% | $425,000 | 62.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 20 | 8.950% | $100,000 | 47.1% |
| USAA Federal Savings Bank | 20 | 6.063% | $425,000 | 37.5% |
| LOWER, LLC | 19 | 6.500% | $455,000 | 34.4% |
| Cornerstone First Mortgage, Inc | 19 | 6.625% | $445,000 | 9.5% |
| INSPIRE HOME LOANS INC. | 19 | 6.125% | $435,000 | 17.4% |
| MLD MORTGAGE INC. | 19 | 6.125% | $365,000 | 4.8% |
| Charles Schwab Bank, SSB | 19 | 5.875% | $435,000 | 0.0% |
| NBKC BANK | 18 | 6.125% | $400,000 | 13.6% |
| LoanUnited.com, LLC | 17 | 5.750% | $475,000 | 32.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | 9.365% | $335,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 17 | 7.250% | $355,000 | 0.0% |
| CATALYST MORTGAGE | 17 | 6.438% | $415,000 | 15.0% |
| Self-Help Federal Credit Union | 17 | 7.875% | $335,000 | 5.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 16 | 7.437% | $335,000 | 15.8% |
| VISTA POINT MORTGAGE, LLC | 15 | 7.750% | $285,000 | 33.3% |
| LENDSURE MORTGAGE CORP. | 15 | 7.375% | $455,000 | 5.6% |
| DIRECTORS MORTGAGE, INC. | 15 | 6.500% | $385,000 | 0.0% |
| Vellum Mortgage, Inc. | 15 | 6.875% | $405,000 | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 15 | 10.990% | $105,000 | 0.0% |
| First Bank | 14 | 8.250% | $105,000 | 16.7% |
| Emporium TPO LLC | 14 | 7.188% | $375,000 | 12.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 9.290% | $165,000 | 78.8% |
| Truist Bank | 13 | 6.475% | $175,000 | 65.8% |
| Tomo Mortgage, LLC | 13 | 6.625% | $535,000 | 11.8% |
| CLEAREDGE LENDING LLC | 13 | 6.875% | $435,000 | 31.6% |
| 549300YVM8B4UQC5DK40 | 13 | 6.625% | $405,000 | 0.0% |
| STANFORD Federal Credit Union | 13 | 7.500% | $185,000 | 18.8% |
| HomeTrust Bank | 13 | 8.500% | $305,000 | 21.1% |
| Synergy One Lending, Inc. | 13 | 6.625% | $365,000 | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 12 | 7.813% | $260,000 | 31.6% |
| Loan Funder LLC | 12 | 8.545% | $385,000 | 25.0% |
| VALLEY STRONG CREDIT UNION | 12 | 8.100% | $125,000 | 10.5% |
| Farmers & Merchants Bank of Central California | 12 | Not published | $110,000 | 36.8% |
| Bank of Marin | 12 | Not published | $565,000 | 14.3% |
| MORIA DEVELOPMENT, INC. | 12 | 6.813% | $355,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 11 | 6.250% | $295,000 | 54.8% |
| GENWAY HOME MORTGAGE, INC. | 11 | 6.625% | $405,000 | 54.2% |
| Filo Mortgage, L.L.C. | 11 | 6.125% | $545,000 | 8.3% |
| Northpointe Bank | 11 | 6.375% | $465,000 | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 389 lenders each made 11 or fewer mortgages here, and are counted in the totals above.
Bank branches in Sacramento County
174 FDIC-insured branches from 30 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, 2805 Marconi Ave, Ste 1, Sacramento
- First Foundation Bank, 1601 Response Rd, Ste 190, Sacramento
- Flagstar Bank, National Association, 2365 Iron Point Rd, Suite 350, Folsom
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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.